The threat alone may cause them to pony up.

Pinnacle employees that quit or were let go for catching on were kept quiet with threats of lawsuits for libel and/or defamation against them.

I never "quit" my real job because it paid for my cars, health insurance and an easy way to fund retirement accounts.I still do 3 or 4 rehabs/flips per year, might do more if I found them.all cash

By the same token, someone buying a 200k house obviously makes way more money, is generally more stable and could afford a major repair on the car or a health issue without essentially having to decide what bills to pay and which ones to let go, at least temporarily.

Her $5,000 loan ballooned to $10,000 in 2 years and she was receiving threats to foreclose.

Otherwise you will be tapped out rather quickly with the HELOC and rising rates become more of a threat if your cash flow is dependent on the low HELOC payment.

Everyone will just browse houses online and schedule viewings online either with discount agents or directly with seller agents.Sellers agents are here to stay because selling a house has a lot of esoteric paperwork, health and safety codes, staging, open house, etc.

You open the door to a ball of worms here.18, oh, a doosie now she has to disclose her medical conditions, her lumbago that hurts, admit she has short term memory issues, her depression from being so dang old, ever hear of discrimination for age or health issues? 

Is your health good now.

Just my 2 cents I'm in health care.