[bornonmars]

Okay, here's a thing - how about developing a more accurate risk profile assessment and pricing structure than any other broker out there (just like some lending platforms doubled the accuracy in evaluating credit ratings in comparison to large banks and built their business around that technology) and then buy in advance low risk properties, while charging relatively high fees? You'd have to keep the asset on the books (while knowing the average time required to sell it for a low commission) till it's gone, but eliminate the pain number 1 for consumers, as in most cases they're ready to be charged more to get rid of the property asap.

Just throwing it there. Crazy enough to make sense.