Business has never faced the type of moral challenges that it faces in today’s global economy. 

My name is Adaeze Medani and I am a senior at the University of Washington studying Sociology and Global health.

Financially yes, that makes the most sense on paper but a lot of people would go with another bank that offers a slightly cheaper rate than their main bank to save on costs but they are giving up the opportunity costs of having their entire global relationship with someone that they are familiar with and know and trust.

No one could have been completely prepared for what we are experiencing globally.

As a lifetime native of Miami I can definitely concur with Neo's post with extra emphasis on point #2 !!!

I ended up owning over 200 of these homes because my west coast borrowers could not refi ..and walked. they lost all their money and I had a mess on my hands that took me a few years to clean up.. not pretty.that's the risk in this model is refi does not come through well.as lending has thawed out along with global warming its back to business as usual... but do be sure to have your take out assured.. most HML will demand it..

I got a college degree that was in business with real estate emphasis.  

In that case, a global cash flow analysis will be conducted by the underwriters to determine your strength as a guarantor.

Do you measure equity as a percentage of your total assets or global cash flow Charles?

I currently work as a tax consultant with an emphasis in real estate.