 The buyer or owner of the house or soon-to-be owner of the house can barely make the down payment. But if something major goes wrong with it, they're going to immediately have a financial hiccup. They don't want to lend on a situation like that, understandably. So they try and mitigate those issues so that they don't happen. And especially when the bank then tries to package that loan and that property with some other properties and try to sell it to another lender...