struggled in the last couple of years. they're looking for profitability right now. where is that? it's in $300,000 to $500,000 loan category. a $50,000 loan takes more time than is profitable for them. >> it is depressing because people want to be able to say they can get that american dream, not if it's $500,000 home but something within reach. >> exactly. these would be ideal properties. i talked to a national lender and i called them and i said, will you make a loan for under $50,000? and they said, no way. i said, why not? they said, each state has different usury guidelines. we'd have to charge so much that we might be in the usury point. it's a complex issue. but any renter really ought to be persistent because this is a once-in-a-lifetime opportunity. >> much more of the "newsroom" right after this.