Honestly when you are being as transparent and vulnerable as I am here and sharing information with people and trying to do the best you can to be a ethical educator in an industry that is full of corruption and then someone accuses you of being a fraud, and compares you to someone who is in federal prison, that can how can I say this..."

Baccala was sentenced to 8 years in prison for his crime.

George, Utah, faces a proposed 48 month prison term for luring investors into his business of making hard money loans.

Where I live in Illinois, our former county treasurer was sent to prison for his role in fixing the auctions.What's really interesting is how the interest rates change over time.

"13 months in prison for lying on applications for loans he knew he couldn't afford."

Currently we have Zillow in CA, and it is notoriously inaccurate, especially about market values.

I have a felony, I'm on the sex offender registry (downloading child porn) and I broke my lease (when I went to prison).

My area is North New Jersey which is notorious for high prices on multi-units and very low inventory 3 family house, 2 car detached garage and driveway. listed at $345k, hoping to pick it up around $320-$325k 3 units to rent, a 3 bedroom, a 2 bedroom, and a studio Current rents: 1300, 950, and 650 Taxes: 7000, (flood insurance is required although unit does not seem to show signs of previous flooding in last 2 major storms, electrical from 1990 and gas furnace is over 10 years old) Flood insurance: $1600 (450k worth of coverage) I got approved for a mortgage at 5% rate after 25% down.

John,I have never run across this and personally believe them to be a waste of time, as your typical appraisal curriculum is not oriented towards determining a realistic value, but rather determining a lendable value.

This is the wild west and these CA Counties are notorious for errors.