You are looking to purchase a property for 400,000. You have received two quotes. The first quote is an 90% ltv 360 month amortization with a rate of 6%. The second offer comes from two sources. The first mortgage is 65% at 4.5% with 360 month amortization and the second mortgage takes the leverage to 90% at a rate of 12% with 360 month amortization. Which deal would you take.