Credit scores like FICO and Vantage are designed to help financial institutions determine their risks in the context of a loan.

IndyMac Bank's assets were seized by federal regulators on Friday after the mortgage lender succumbed to the pressures of tighter credit, tumbling home prices and rising foreclosures.The bank is the largest regulated thrift to fail and the second largest financial institution to close in U.S. history, regulators said.Yahoo FinanceIn the biggest bank failure of the housing downturn to date, federal banking regulators today closed IndyMac Bank FSB, naming the Federal Deposit Insurance Corp. as conservator.The FDIC said it will transfer insured deposits and "substantially all the assets" of IndyMac Bank, to a newly created successor, IndyMac Federal Bank, which will be operated by the FDIC.Insured depositors and borrowers will automatically become customers of IndyMac Federal, FSB and will continue to have uninterrupted customer service and access to their funds by ATM, debit cards and writing checks.

Has any of the financial institutions who have sucked up $350 billions dollars offered a date for repayment?

Also, the cash flow yield to an institutionally-managed real estate portfolio of SFR's can't be very impressive.

It's what you need the appraiser to believe if you're going to wholesale to a retail buyer using an institutional lender.

@Ned Carey There are thousands of county-held liens - $100 or less - that carry the highest interest allowed by statute (18% in Florida) leftover from the auction that most institutional investors ignore because they are too small.

Evidently investors and institutions do not mind technology sector.

Anyone have a favorite, easy to deal with lending institution they’d recommend?

I have a couple that I’ve built but most sellers feel most comfortable with what is institutional and doesn’t look homemade.

Every the large institutions have subtle differences in their grading criteria.