I know this is an amateur night question, but I'm sitting here with a new guy, and he's asking me what the lowest possible rate is, and I thought: "Gee, I really don't know....I think IOU is offering 13.99%, but I don't really speak to them and a lot of my guys are not qualifying like that." I have heard numbers as low as 12.99, and some prospects are saying they got a 10 - which I assume to be a lie.

What does group consensus say about the very lowest possible rate and funder, and of course, who is that funder?