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Of course, this would probably not work in Manhattan, but if you live in an area with lots of one story buildings, there is great potential.
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In the non-profit world, this is even more important as, in the midst of limited budgets, value seems to be even more elevated in a gift.
A particular consumer may obtain a covered loan with payments that are within the consumer's ability to repay at the time of consummation, but factors such as the consumer's continual opportunity to work, willingness to repay, and financial management may affect the performance of that consumer's loan.
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If the lender determines that payments under a particular prospective loan would exceed a consumer's ability to repay, the lender instead offers a loan with payments that are within the consumer's ability to repay or simply declines to make a loan to that consumer.