[Karen37a]

Biggest factors for lenders/funders is cost of capital, cost per acquisition of customer, and how much they're paying out for commission. People laugh at the 1.40+ rates being charged by some, but when they're paying 12-13% interest for the capital, and 12% for commission, there's not much room leftover to be profitable.

And when people have a big w/2 nut to crack and rent etc etc ...they cant make it if the rates are too low unless they ponzi money