@Russell Brazil  definitely regionalized... in my two markets were I build new construction Charleston SC and Portland Oregon.. long gone is the no money down buyer.. they still happen I just sold one in Charleston on a VA loan but its a 350k house. and we get the occasional FHA but on the subdivision I just built in Portland in 2016  27 new homes priced from 330 to 400k... ( entry level )  to first time move up.My wife is my broker ( always recommend anyone getting in the business to have their own license) I had her run a report on financing and what was used.4 sold for cash1 VA3  FHA minimum down19 sold conventinal with 10% or more down.IN charleston other than the one VA loan same thing some cash a few FHA majority conventionalso to speak to your points we have a much stronger buying segment than pre 08.. and I am sorry for those that have crappy credit and can't buy right now.. but they simply need to clean up their act. this attitude that every american deserves to own a home is flawed thinking.. every american who can manage thier personal credit and keep good an stable jobs.. deserves a home if they so choose.. 

Most people are not that dedicated and it shows.The passion I have left for this business is because it is a mechanism to fulfill "the great American dream" of upward mobility they used to teach in high school Civics.

Sometimes an old fashion one on one meeting with an honest question and answer can work.

Im an Australian with an American LLC which has an EIN, but no ITIN/SSN (yet?).

I have been a landlord for a while, but after seeing the advantages of being licensed I have passed the Michigan exam and am hired by American Associates in my hometown of Fenton.  

Here are a few tricks to help make business correspondences easier to digest: • Organize your thoughts in the most linear fashion possible.• Break up your ideas into different paragraphs.

I am looking to do my first deal in the same fashion!

American Land Title.

What about if the Australian has an American LLC? 

Paint companies put together their popular colors or what they forecast for that year as trending in fashion and based on "Region" but there is a reason the chip wall and fan decks are so all encompassing.