On the market, a BP podcast and planet money a NPR podcast.Best of luck to you.

Most of the people who live below the poverty line in the US still have much higher income than a large portion of the planet.

There is a blog devoted to all things HELOC, called Planet HELOC - http://www.sagetips.com/heloc-blog/ .

Most of the properties sold do have liens, or some other negative feature like wetlands, flood zone, failed perk test, toxic waste or landlocked situation. 

What planet do you live on that its common practice to completely turn off heat in the winter?

Bill Gulley - Since you paint with such a broad brush, I assume that you have personally met and come to know the personal motivations of every coach, mentor, and guru on the face of the planet.

Anyways I wanted to get a mortgage for a rental property but my bank is JP Morgan Chase, and even though Im in their private client group, they are one of the least risk averse banks on the planet.

I believe that's a bit harsh; after all, mankind has yet to sample and observe any actual population of scum growing on this planet to behave so wicked as to somehow deserve such an insult.

I hate unsustainable and environmentally destructive thought of using toxic diesel fuels to shipp stuff all around the world, if we could somehow avoid it, by creating local solutions.

I'll discount those to get them out of my portfolio and let the investor deal with the EPA on the toxic DDT landfill on the property.Back in the day, when I was selling MBS to the secondary markets, I was making good (great) money for my lifestyle.