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Why do you think those Midwestern banks are so conservative in their lending practices? What institutional traumas did they experience in the last 20 years

Why do you think those Midwestern banks are so conservative in their lending practices? What institutional traumas did they experience in the last 20 years which tempers their lending posture? If you were trying to make a living by buying and holding rehabbed houses as rentals, what strategies might you adopt to deal with the local lending practices?

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