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Back then, it was people with s**t credit, or zero down payment, or no provable income (or, hey…check all three boxes for the trifecta. ) getting bought.
Today, it’s more “alt income” – stuff like loans where you add up a business owner’s monthly deposits. Of course, that’s bulls**t income, but the credit and LTV requirements are fairly high, and you need a few months’ reserves in the bank.