"haven't come across a grumpy owner yet"
Obviously you haven't seen the gut wrenching heartache that comes about when a mortgagee sale is forced upon someone who cannot pay their debts.
Oh yeah, you can say well it's their fault. And I suppose it is. But it is still pretty brutal.
Get out of the metro and broaden your horizons.
Go to a farmer's Clearing Sale and see what happens when you lose everything and watch all the vultures pick over your carcass.
It might wipe a bit of smugness off your dial.
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