I think what you are referring to is some BS legislation that was signed into affect that is "voluntary" for lending institutions to participate in.

Loan portfolios are examined at different times by the institutions holding the obligations, again on a sample basis.

Almost zero interest and get paid interest on your reserves.....http://www.federalreserve.gov/newsevents/press/monetary/20081006a.htm Interest on ReservesThe Financial Services Regulatory Relief Act of 2006 originally authorized the Federal Reserve to begin paying interest on balances held by or on behalf of depository institutions beginning October 1, 2011.

Those that rent to low income tenants:If I were to institute a policy of no prior evictions and felonies during the screening process, do you think I would eliminate my entire rental base?

With so few institutional financing options, have you seen Lease Options, Subject to, or seller finance deals work in mobile home investing?

All that money did was allow some accounting shenanigans so the banks could acknowledge some of their bad debt as currently every large financial institution is insolvent, but if we all close our eyes and pretend they are all healthy eventually time will heal all wounds is the theory.

I process property valuations (Broker Price Opinions - BPOs) for financial institutions on a regular basis.

What was nice about this besides the intro was I had two professionals in small institutions looking out for me.

,did anyone see our top financial institutes go belly up coming?

I live in PA and took my real estate licensing classes online and took the tests at the Real Estate Institute.