Real Estate Finance , Seventh Edition - Final Exam Please USE your answer sheet 1 . The investment positions of owners and lenders are generally in a ZERO - Sum game . A. parallel to one another [ . sympathetic to one another 6 . in Opposition to one another J. None of the above 2 . refers to an individual's ability to borrow money* &. Credit worthiness c. Qualifying ratio 6 . Loan - to - value ILTY] ration J. Trustworthiness 3. As mortgage underwriting standards became lax during the Millennium Loom and underqualified tenants were lured into homeownership , DECAME more Common . &. prime mortgages C. Both &. and bo. 6. subprime lending J. Neither a nor !* refers to a lengthy period of weak economic growth . 3 . Financial Crisis C. The Millennium Eoom 6 . Trickle down economics J. Secular stagnation