Yes HLS, but the Realtor Triad here claims that lots of San Diegans have tons of cash (regardless of sources) to get that nasty DTI ratio down to conforming levels. Surely that should have made the difference in the popularity of the new conforming standards???

Sarcasm Off

By the way, thanks for acknowledging my consistency. Many others here like to dismiss my posts as doom and gloom when they engage me in debate and lose.