I agree 100% with John, most of the clients that qualify for a 36 month deal will still end up needing money a lot sooner than the 18 months required to qualify for additional cash. This, in my opinion, makes them VERY vulnerable to stacking. I don't care if you give them the money at 5% they still have to pay it back and you can bet that if they need money before the necessary time has elapsed to refi etc then they will take funding elsewhere.