The old system gave us the savings and loan crisis. Is it fair to say the alternative is to recognize that for many homeownership simply is not an option?
If anything this [1] article would lead the reader to believe since Fannie/Freddie are now spearheading the leading charge their portfolios are further out of line with the market reality.
>utilize prototypes as
a method of proving features and concepts before committing
them to your design. Third, don’t be overly ambitious
in your design. Be reasonable, and take into account your
schedule and budget before adding something to your design.
Building off of that, don’t be overly optimistic with
your scheduling. If you make an estimate that initially feels
optimistic to you, don’t give that estimate to your stakeholders.
Revisit and reassess your design to form a better
estimation.
