When in reality, if you know what comparables are, and they are equal, the risk is the same, you are just getting a larger loan or using more of your money in the larger city. 

You claim the banks want the houses, but in reality foreclosure cause banks to lose money, not profit.

This bias skews our perception of reality.

Occam's Razor is a wise guide here.You're going to need to move heaven and earth to get your GF on the loan when, in reality, that's simply not how the loan product is designed. 

The reality is, those descriptions are generic and describe markets that they put into different tiers.  

If someone is paying a lot of points to reduce an interest rate, then that lower interest rate is not reality.

We had a few tenants who thought they where going to ride it out on that magic unicorn cancel rent dream, but last week one of them had to come to reality, and literally inform us the jig was up, no one was forgiving his rent. 

In reality, it was just a sagging piece of J-channel below the top piece of trim.

In reality, it was just a sagging piece of J-channel below the top piece of trim.

I know this is not good news but it is the reality, good agents will take care of everything and provide that level of service, this does not mean all agents will take care of everything.Much like when you buy an investment, you do your due diligence, and you make your money when you buy not sell.