The simple answer is let the borrower put up more capital. 20% sounds about right....harder to walk away from your investment if you personally have skin in the game. Also it forces you to buy a home that your can afford. No money down, no income, no problem days are long gone....thats why we are able to buy FMCC at two bucks. Let the borrower take more risk, thats the answer. I cant understand why no one gets that.
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