cost up to $15,000. do you have knit reserves? no, they don't. all of these things go away when you're dealing with an investor who says, i'll pay you cash on the barrel head as is. finally, there's the issue of closing costs. owner occupant home buyers always ask the seller to pay closing costs. >> here a georgia family was mostly being profiled and the state of certain counties in georgia. is this a nationwide trend that it's going to be difficult no matter where you are or is it an issue of geographics? florida is a big foreclosure state, arizona also. >> it's national. we've seen a tightening of underwriting guidelines from fannie and freddie, which is a national set of stands. but beyond that, lenders just don't want to make those small loans. it's not profitable for them. as you know, banks have really