This is also very good example of jurisdictions that have zoning and annexations that need voter approval its a great way to STOP development. 

There are a few banks in HK that are also located here in the states.

Start their own consultancy (either recruiting agency since they are the top recruiter like I did, or if they were pentesting for different clients like banks, fortune 500, etc, they start their own pentesting consultancy/firm). 

Let's also face it, if someone doesn't have 500-5,000 in the bank as a wholesaler for EMD on their deals for their own business, another red flag. 

Banks can shut down an equity line at a whim, so there is a strong risk there.

If you can get a better deal on the home due to age its a fine and if you need financing banks do not judge year built. 

It'll range from - no problem link a bank account and continue payments to you have 30 days to pay back the loan or we'll default it.

I think the borrower is better off trying a local bank or broker in that area.

@Mike Terry Yes, it is conservative, but that's because it's the operating expense margin that most of the banks I work with for my clients use in their underwriting.

And assuming a 0% return on the $200k you could have in the bank earning $10k/year if you sold.