Further, with generally declining interest rates over the last 40 years, lenders had little incentive to accelerate a loan with a higher than market internet rate, as they’d have to reinvest that money at a lower rate.  

Or know if this is a serious concern or a normal issue on the incline/decline streets of Wilmington?

Declined on credit situation.2) Professional couple together making six figures with new baby.

The buyer was pre-qualified, but the bank just declined them because one of them is a contract employee not salary.  

The range I have seen range from -2.5% to 11%. zillow 11%, Fannie Mae 7.9%, Freddie Mac 7%, Redfin 3%,  Realtor.com 2.9%, CoreLogic 2.5%. and Mortgage Bankers Association's forecast model projects a 2.5% decline. 

It might indicate that the neighborhood is starting to decline.

This approach resulted inOver 470 properties deliveredAverage tenancy of over five years.Five evictions in the last 15 years (over 1,000 tenants).2008 crash - Zero decline in rent and zero vacancies.COVID - Almost no impactEviction moratorium - Almost no impact2013 through 2021 appreciation averaged >15% and rent growth averaged >8%.

With the price of solar continuing to decline, and with energy storage capacity rocketing upwards thanks to wise changes to the NEM rule, it is certainly possible that long term contracts for solar will end up being the most expensive way to procure clean kilowatt hours.   

And areas where the population, I believe, is slowly declining like Northern Maine, the berkshires; parts of CT.  

Would have loved a net yield comparison but it would have probably been a little more challenging from a statistical standpoint.One very important trend is the unemployment rate - I'd usually like to see a declining trend over the years, and ideally not too high compared to the national average.Mike, I'm curious about your market analysis process - could you share more about your methodology?