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NotCranky
ParticipantLosGatos,
No mames buey!ParticipantLosGatos,
No mames buey!ParticipantLosGatos,
No mames buey!Participantwho seem to be circling the generous loan package like hungry Piranhas.
I got the same impression. They seem pretty jittery I think they have been working many unpaid hours submitting packages that get rejected or sending clients desperate to refi away. How things have changed.
Who is going to ante up that 10% in the 80-90%LTV range? I hope something like this is around for those future bottom fishing excursions.
Participantwho seem to be circling the generous loan package like hungry Piranhas.
I got the same impression. They seem pretty jittery I think they have been working many unpaid hours submitting packages that get rejected or sending clients desperate to refi away. How things have changed.
Who is going to ante up that 10% in the 80-90%LTV range? I hope something like this is around for those future bottom fishing excursions.
Participantwho seem to be circling the generous loan package like hungry Piranhas.
I got the same impression. They seem pretty jittery I think they have been working many unpaid hours submitting packages that get rejected or sending clients desperate to refi away. How things have changed.
Who is going to ante up that 10% in the 80-90%LTV range? I hope something like this is around for those future bottom fishing excursions.
Participantwho seem to be circling the generous loan package like hungry Piranhas.
I got the same impression. They seem pretty jittery I think they have been working many unpaid hours submitting packages that get rejected or sending clients desperate to refi away. How things have changed.
Who is going to ante up that 10% in the 80-90%LTV range? I hope something like this is around for those future bottom fishing excursions.
Participantwho seem to be circling the generous loan package like hungry Piranhas.
I got the same impression. They seem pretty jittery I think they have been working many unpaid hours submitting packages that get rejected or sending clients desperate to refi away. How things have changed.
Who is going to ante up that 10% in the 80-90%LTV range? I hope something like this is around for those future bottom fishing excursions.
ParticipantI Really like the spread sheet idea but I think I might plug in higher rates of depreciation too. Maybe 10% or more per year for 3 years and then no appreciation or depreciation for a while at least. Then I’d try it with modest appreciation after a few years. Staying within ten years is good IMO. Good call SDR. We don’t have a crystal ball so we need to look at the risk with parameters that are not too tight.
ParticipantI Really like the spread sheet idea but I think I might plug in higher rates of depreciation too. Maybe 10% or more per year for 3 years and then no appreciation or depreciation for a while at least. Then I’d try it with modest appreciation after a few years. Staying within ten years is good IMO. Good call SDR. We don’t have a crystal ball so we need to look at the risk with parameters that are not too tight.
ParticipantI Really like the spread sheet idea but I think I might plug in higher rates of depreciation too. Maybe 10% or more per year for 3 years and then no appreciation or depreciation for a while at least. Then I’d try it with modest appreciation after a few years. Staying within ten years is good IMO. Good call SDR. We don’t have a crystal ball so we need to look at the risk with parameters that are not too tight.
ParticipantI Really like the spread sheet idea but I think I might plug in higher rates of depreciation too. Maybe 10% or more per year for 3 years and then no appreciation or depreciation for a while at least. Then I’d try it with modest appreciation after a few years. Staying within ten years is good IMO. Good call SDR. We don’t have a crystal ball so we need to look at the risk with parameters that are not too tight.
ParticipantI Really like the spread sheet idea but I think I might plug in higher rates of depreciation too. Maybe 10% or more per year for 3 years and then no appreciation or depreciation for a while at least. Then I’d try it with modest appreciation after a few years. Staying within ten years is good IMO. Good call SDR. We don’t have a crystal ball so we need to look at the risk with parameters that are not too tight.
Participant“Would you really let reaching a “seemingly low price” determine the bottom? I would personally look at other factors such as the amount of inventory, # of credit worthy buyers, state of the economy (specifically local), and home prices to rents/incomes instead. I’ve seen homes quadruple in value over 10 years. Just because they have fallen nearly 50% doesn’t mean they can’t fall more.”
I gotta admit Matt that has a ring to it…despite my comments earlier in the week. There are going to be some completely wrecked markets. Like I said, you are up there.
When you do the math on the gas, it really comes out that badly for the majority who live there? Why wouldn’t it just become the hybrid or maybe the senior capitol of the world at a certain point.The whole place could run on electricty and geritol.
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