So I hold them expecting them to double in value about every 7 years (based on historical stats) and rent them out.

The DSCR Jon mentioned is one of many figures the commercial lender will scritinize/examine.

I am a real estate title examiner in KY and I don't think the consumer needs to be bailed out, but they do need help.

Legislation was rammed through Congress so fast that watchdog groups had little time to examine the bill.

A great article... thanks Dan.It sure does fill in some of the gaps, since the "mainstream media" is telling us NOTHING.I particularly liked these two paragraphs:"What terrifies me … what wakes me in a cold sweat … is that the single most corrupt, inefficient, incompetent and idiotic institution on face of the planet is now trying to “fix†the problem.And that especially frightens me because, the closer I examine the roots of this crisis, the clearer it becomes that it was engineered almost entirely by the very bumbling buffoons who are now charged with ending it: The U.S. government."

We just launched BiggerPockets Stats!

Examine the mortgage: Will the payment change?

Again, Flipper, you have managed to skirt the issues I brought up and stick mainly to the insults on me. 90% of your post that clarified your first post was aimed and calling me 'clueless' and 'ignorant' rather than examining or answering the questions I brought up.Sorry man but I don't consider your cheap shots, one-liners and strategically capitalized words real responses.But keep up the good work of posting extremely irresponsible statements and then when questioned, attacking the character of the person asking for an explanation.As much as you would like to think, the world front is not Candy-Land right now.

johnmichael: Cultivate RealtorsDan_Auito: stats say owners ask 9.1% more thanthey expect to get on averagejohnmichael: Realtors have easy access to recent information on the sale of properties.

If I had a tiny kitchen, I'd put effort into building that up - kitchens are where people spand a ton of time, and they do choose houses based on the kitchen.I have no official stats, but this seems logical, NO?