While we do this, don't you notice other people for example class mates, just goofing around and being naive some not even knowing what they will do in their life and others just so chill and eager to get a depressing 9 to 5 job for the rest of their lifes.

They neglected the possibility of regulation, and they neglected the possibility of an oversupply depressing prices.

Also, the majority of major players around for 10 years plus for the most part have borrowed something. 

I have no real knowledge but I would be surprised if the Lansing area is still depressed given it is a big college town.I've not heard of anyone that had the banks actually go after them for the deficiency.

Hi Joe,I own MontrealHouseBuyer.caA small percentage of people are actually better suited to sell to us than to sell on the MLS.Most of the homes we buy end up with a combination of seller distress (no money for repairs, divorce, depression, etc) and property distress (cluttered, dirty, foundation cracks, roof leaks, or just very dated).

In their pocket...Why is the depression rate so high?

Originally posted by @Jack Orthman:I see where gray colors are the trend, but throughout my entire life I always thought the consensus was that gray and blue are depressing colors.

Texas, Florida, Tennessee. within an hour or less of major cities

Not all, but most: Don't clean, always some drama with roommates, suicidal, depression, drugs, rape, I hear a lot of stories from my tenants.

Even in depressed area like San Bernaidno a 3/2 house cost around $130,000.