Todd Pultz

And I think as long as you can,

And I think as long as you can,

pick your numbers and stay true to your numbers and everything that you do, then you'll always be okay.

pick your numbers and stay true to your numbers and everything that you do, then you'll always be okay.

The problem is people that are greedy and they want to go and get, they'll find a lender that's new out there, right?

The problem is people that are greedy and they want to go and get, they'll find a lender that's new out there, right?

That's an unconventional lender that says, oh, we can write 90% loans or 95% loans.

That's an unconventional lender that says, oh, we can write 90% loans or 95% loans.

That's great.

That's great.

And it feels good.

And it feels good.

And people that don't have money or don't have a creative mind to get deals done other than taking those high equity loans, they're going to get themselves in trouble at some point.

And people that don't have money or don't have a creative mind to get deals done other than taking those high equity loans, they're going to get themselves in trouble at some point.

And we have a lot of people like that right now that are in trouble.

And we have a lot of people like that right now that are in trouble.

Because a couple of years ago, our housing market was nuts.

Because a couple of years ago, our housing market was nuts.

And we had investors specifically in the Midwest.

And we had investors specifically in the Midwest.