In the underwriting process, which is the greatest difference between commerical mortgages and residential mortgages? Multiple Choice Residential underwriting focuses on the borrower. while commercial underwriting focuses on the property Residential underwriting focuses on property Income, while commercial underwriting focuses on property cash flow Borrower income requirements Minimum cap rates The expected cost of borrowing depends on which of the following provisions? Multiple Choice The frequency of payment adjustments The inclusions of caps and floors on the interest rate, payment or loan balances The spread over the Index chosen for a given ARM All of the above