Hi Sunny, You bring up an excellent point regarding my question about providing a mortgage loan recommendation. A buyer's status in a few areas is critical to even qualify for a loan. For example, many lenders will have a credit score requirement of 600 or greater or a minimum income requirement, such as SoFi, which looks for at least $45,000. Lenders will also want to verify your employer and consider your debt-to-income ratio. I agree with you that for a buyer looking to hold the loan for only a short time, an ARM typically will offer the best rate assuming the buyer qualifies. Kersten Schmidt