Over ten years in the business, we buy homes at deep discounts, using funds from private investors and pension plans, paying very high fixed interest rates and securing the loans by  Security Deeds on homes valued, in today's market, at two times the value of the market.  If the home value declines by 25% it's value is still 50% more than the mortgage.  The home owner (me) loses 50% of equity, but the mortgage holder is still protected. http://www.hiderinvestmentgroup.com