5 of 75 What do states often offer to businesses in the form of tax credits, special taxes, rebates, and similar programs? HUD programs Development incentives Capital gains Consumer protection 7 of 75 What mortgage clause allows the mortgagors to pledge a property as collateral? Attachment of note Granting clause Covenant of seisin Holding order 6 of 75 Landlord Fred systematically turns off the water for short periods of time to minority tenants in the hope they will move out. This is an example of: target discrimination. hostile discrimination. exclusionary discrimination. nonexclusionary discrimination. 8 of 75 Commercial property is used specifically for: investment purposes. government offices. recreational facilities. business purposes. 9 of 75 In the mortgage loan process, which party actually purchases private mortgage insurance when required? The lender The borrower The holding company Federal Housing Administration 49 of 75 What is the most important factor for a prospective property owner? Area Property maintenance Affordability Square feet