Why 2011 might not even be the end

A great article, showing how a young borrower with ultimately about $70 in monthly disposable income is still considered "low-risk" by the current system. We agree;, the "problem" will not be solved until this is taken into account. And even worse, every year's class of college grads is now earning less -- and a recession has allegedly not even begun. So yes, we agree the situation stands to get worse for the real estate market. And as much as this kind of loan proceeds, the effective taxpayer bailout will grow. The little "wealth" problem of this country is not going away any time soon, and dreaming an ownership society into existence will not speed things up (quite the contrary, in fact).