Ocker,"Banks are in the business of lending money - not owning...

Ocker,

"Banks are in the business of lending money - not owning real estate, it is as simple as that.
No bank would want funds tied up in a real estate asset which they may be forced to hold on their balance sheet for an indefinite period of time, and the valuation of which is at the mercy of the markets."

So as you say..if banks just lend money without holding the security as collateral...what type of calculated risk lending would that serve?

Banks lend money on real estate they will own until debt is paid back on them..or they need to sell off in times of trouble to recoup their funds...No secuirty no funds..it is that simple.

Please!