@Joyce Riley I saw that same story about the 2020 San Francisco exodus, and a similar one in the WSJ: Remote Work is Reshaping San Francisco as Tech Workers Flee and Rents Fall. 

If this is a legal way to lend against consumer home equity w/o a license, kudos to Curbio for finding the loophole; it opens the door to pretty much anyone becoming a home equity lender to owner-occupants without the SAFE act overhead, which would re-shape the industry.

Economic conditions, community developments, and market demands constantly reshape the landscape.

It only takes one life crisis to reshape a proud person. 

Rising costs for insurance and property taxes are reshaping the landscape, but opportunities still exist for those who are willing to adapt.

Now, more than ever, real estate investors have the chance to take the lead in planning, development skills, and investment capital to reshape our work and lifestyle environments.

Gain the skills to take on projects like revitalizing single-family homes, converting underutilized commercial spaces into profitable mixed-use properties, constructing small apartment complexes, or repurposing vacant lots into valuable community assets, all with the aim of strategically growing wealth within the community and for your family.As a Developer, you’ll also become a….Community Catalyst: Become a local real estate developer to transform your community, shaping its future and making a positive impact.Profit Center: Real estate development offers opportunities for financial growth, turning your investments into substantial returns.Creative Agent: Unleash your creativity and innovation in design, sustainability, and community-focused projects.Job Creator: Your projects create jobs, benefiting both the community and local residents.Legacy Builder: Develop a lasting legacy by creating buildings and spaces that leave a profound and enduring impact on your community for generations to come.Join the movement to reshape our community through local real estate development!

As consecutive Mac Conway Award Winners for Excellence recipients, Montgomery is well positioned through their "Imagine a Greater Montgomery" initiative to re-shape the city vision.

Each SF can essentially be reshaped with more/less bed and bath that provides untapped potential.

The remainder doesn't have a clue.Reason I mention this is that the readers of BP really need reshape their understanding and education concerning real estate and it's your due diligence to select competent advisers.