Occupancy

Investor properties are fairly rare in agency and most jumbo pools but are seen frequently in alt-A and sometimes in subprime deals. Alt-A deals in particular can have as much as 50% investor properties, but the average is around 20%. The occupancy variable is primarily a credit issue. Because owners of investment properties are not constrained by the same behavioral and social factors that discourage homeowner defaults and bankruptcies, default rates end up being higher on investor properties. Additionally, since investor properties typically are rental units, loss severities can be higher than on owner-occupied dwellings.

Secrets of the Credit Industry

Secrets of the Credit Industry

Legal strategies that credit bureaus, creditors and debt collectors do not want you to know! How to use consumer credit protection laws, without hiring a lawyer, and without going to court! At some point in your life, either you, or someone you know will need this information.

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