Originally posted by Jason S.:1.

I read it in the 80's.

With 25% down on a commercial loan I'm guessing you'd be in about the 6's on a full term amortization loan.

The extra 700K causes a change in all my %'s.

But even though it was less than 5 years ago, it was still 3.5 years ago and this is an early 20's couple, so a long time for them compared to a mid 30's or older.Considering it makes me nervous to show half of the people the house because I'm afraid they could just be scoping it out to come and steel my copper and a/c compressor later, what is your opinion.

I have lots all over the U S - my question is this , how truly affordable are they?

@Uwe S. thanks for the advice.

New kitchen, S/S appliances, 1 car attached garage, no sunroom, only 1,500 sq ft.

It's a fact that some of the markets that got hit fairly hard also have local banks least willing to lend, because many are over-weighted in 1-4's, whether they're performing, non-performing, or REO.

In other words I’ve been told he can’t consider the income from his new investment property(ies) for 2 years – in fact his DTI would be to high because of the new mortgage(s) – to get another property.