Primary versus second home markets

So everything you read in the papers or hear on the news is about how real estate prices are dropping and that the "BUBBLE" is going to pop.  This is what the media is presenting to the public, in turn this is what my clients are coming armed with, with regards to information.  I read a great deal of general information on real estate so that I know what my clients are reading, but it is not relavant to my market.  How do you convince an investor or second home buyer that your market is not the same as "DENVER"?   One of the main differences is that people who buy in my market buy with discretionary money.  They do not have to buy property, and when they do buy they buy for different reasons then people who buy in primary residence markets.  People buy for investment, enjoyment, tax shelters, and many other reasons, but let me say again they DO NOT HAVE to buy.  The other differences are financing.  Many buyers in my market buy in cash or with heavy down payments, minimum of 75%LTV; where as in the primary market there are a great deal of arms, 100% financing, and sub prime loans.  Now I am not a lender or mortgage broker, but it is my belief that the adjustment that we are feeling in the primary market is attributed to the sub prime market and 100% financing.  Let it be known that this is only about 10% of the market and that in my opinion 10% is considered an adjustment rather then a "POP".  So know I am faced with clients who have the money, credit, etc.., they are ready to buy, but they do not want to listen to me with regards to the market information.  They feel that if the "Denver" market is a buyers market, then the resort market which I am in must be the same.   

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