They are extremely misleading, and considering our nation's very poor IQ in math, it can be very dangerous too.

The public transportation system and the already amazing bike path network is also expanding so that is a good thing to look at to find neighborhoods that are likely to appreciate at a more rapid pace than others.The Colorado market has strong fundamentals overall: diverse and growing job market, active lifestyle, work-life balance, friendly people, the incredible mountains nearby, outdoor sports galore which is skyrocketing in popularity, access to national forests and parks, and significant population growth due to these many positives.

Bankruptcy is national law with a few state by state particulars and supercedes state law.

Yes they are registered nationally. 

Should we just begin going to banks (local or national) or credit unions to see who will offer us a conventional loan? 

That of course defeats the purpose and another big name national bank is willing to do it on the appraised price but there’s at least a 12 months waiting condition.

Look for a local one, not national speaker that swings through town. 

Outside of that I try to keep a close eye on Market values in the near suburbs of the major cities Roch/buff/Syracuse/Albany which property $ have been on the rise along with most of the nation, which is bringing a lot to flippers out, but I’m more interested in the BRRR long term arena for now. 800-1200$ per door specifically in a suburb driving distance to one of the major city.

I have lived in my current property in eastern NC for 4.5 years.

I have lived in my current property in eastern NC for 4.5 years.