(There are exceptions to this for small creditors, less than $2 billion in assets and originates less than 500 first liens/year).QM's are institutional paper that Fannie, Freddie, VA, FHA and the like require.

Billions in commitments from DOW, BASF, Freeport LNG, Tenaris, and more. 

I had seen several articles regarding an affordable housing shortage in the area and EB just landed a contract for 5 billion dollars worth of submarines.

The city invested 1 billion dollars to revitalize the neighborhood that 53 properties are in, with 90 units total including a few empty lots.

It is in a risky neighborhood but the city is paying 1 billion in renovations to the area with everything from parks, bars, new sidewalks, universities, apartment complexes, farmers markets, you name it they are doing it over the next seven years.

The state just paid 1 billion to revitalize the area, hence the property value increase.

Before 1978, before Prop 13, statewide the schools had a $9 billion budget.

Garage sale corporations, created factories overseas, leverage hostile take over, got into lending business then lost billions.

@Justin Lee, let me count the ways. https://www.reuters.com/article/us-wells-fargo-fed-warren/wells-fargo-wont-be-allowed-to-grow-unless-problems-fixed-feds-powell-idUSKBN1O92CPhttps://www.chicagotribune.com/business/ct-biz-wells-fargo-billion-fine-20180420-story.htmlhttps://en.m.wikipedia.org/wiki/Wells_Fargo_account_fraud_scandal

I know of a billion dollar developer who syndicates via 506(c) and has had a lot of success advertising on Facebook!