Hello, While I am working towards making most of my income earned from online ventures I currently make the bulk of my income from investing in Real Estate. I am currently noticing something very scary in regards to our economy. At this point I am seeing the lowest amount of Foreclosures on the market in my 4 years of investing. Not only is it at all all time low but it is basically 50% less than what was on the market at this time a year ago. What does this mean? Well we know very well our economy is not very good right now. So wouldn't that mean there would be more foreclosures on the market? You would think so. It is much harder to get a loan right now for your average person. Hell for anyone right now it is harder to get a loan. Banks are actually verifying employment. They are verifying funds. They have tightened guidelines. They are requiring down payments. Wouldn't that mean that there would be more houses on the market? So what does this mean? Well according to my research this is what I have found out. The Obama Administration, Fannie, Freddie, have basically put a moratorium on Foreclosures. When they did this most banks followed suit. What this has done is caused the Foreclosures to sorta stand still for a while(Yes some houses are still being foreclosed on like normal). So essentially what is happening is there is this bottleneck happening. When that breaks it is going to rupture hard. Harder than ever. If you couldn't afford your house 6 months ago guess what...you probably can't afford it today. If my prediction is correct we are about(1-6 Months form now) to see a massive meltdown. The problem is I am not sure what is going to melt down. Is it the Banks? Is it the Dollar? Is it the Builders? I am just not smart enough to figure this part out. The point is I want to bet against something. I want to short some stocks. I want to bet against the lenders. I want to bet against the dollar. What do I bet against? Does anyone have any ideas towards this? There are some smart people on this board and I would love to figure out what I bet against. Hell I could easily be wrong on my prediction. I have made 99% of my income the last 4 years from real estate. I study MLS every day looking for deals. I have never seen this few of foreclosures on the market. I have never seen anything like this as far as inventory goes. IT just doesn't add up. I could very well be wrong and everyone should do their own DD. I am willing to take a chance though that I am correct and want to figure out how the hell do I bet against it? Anyone?