Those sound logical on paper to a rational investor, but I could see the buyers just saying they want to use their own lender.

The education certainly has taught me how to debate things rationally.

This model would seem to rationally price risk for said borrower and eliminate the need for GSEs to set loan purchasing guidelines.

I'm trying to understand the rational.

Great post on sellers sharonPeople are definately not rational beings most of the time and especially when dealing with the sale of their home.

Result: You must negotiate price under $100k for rational income or you need more cash for the downpayment (30%).

I really don't trust 90% of them to locate Texas on a map.Your strategy would work very well for rational depositors, but during a panic the FDIC insurance servers a major role in maintaining financial stability IMO.

As a landlord is there any room to discuss the condition of the house and pro-ration of the deposit?

Please let me know your rationals and reason behind them. thanks

They are not backed by our idiotic GSEs and thus the money has to be priced rationally.