THIS IS WHAT CAUSED THE CRASH--YOU HEARD IT HERE FIRST! when a homeowner put down 10% for an 800k house and 6 months later an appraisor said it was now worth 975k. then the homeowner would ket a 200k home equity loan and use 10% of that as a down payment for an investment property with his cousin Bob who did the same exact thing. they would then have that investment property appraised and it would of course be inflated and they would get a home equity with that home as well.THEY ALSO FINANCED EVERYTHING ELSE LIKE HOME REPAIR FOR THE INVESTMENT PROPERTY AT HOME DEPOT WITH 0% FOR THE FIRST YEAR....ECT.. now the house of cards falls !!! see how this whole mess happened? then lehman and bear caused confidence in our financial sysytem to crash and it was all down hill from there.