Why is number of days a home was or has been on the market a useful measure in choosing properties for a CMA? It shows whether sellers or buyers should be setting market rates. It predicts how long it will take to sell the seller's house. It helps eliminate houses that have already sold. It indicates how competitive a price is or was with respect to other homes on the market at the same time. Adjustable rate mortgage loans are most attractive to borrowers when 30-year fixed rates are relatively high. 30-year fixed rates are relatively low. the borrower intends to hold the house for a long time. the borrower has a solid credit history. A licensee is exempt from the general requirements for advertising a property for sale if the property is owned by the firm's principal broker and is listed with the firm. the licensee is the owner, uses the "owner/agent" designation, and does not list the property. the licensee has filed an agency agreement with his broker stating that he is representing himself. the licensee is the owner and lists the property with a firm other than the one he is affiliated with