 a lot more than what I bargained for. The loan-to-value is super high. I bought the home for $275,000 back in October of last year, and currently that's how much I have to sell it at. I actually have to sell it at $250,000 due to the fact that the $275,000 included the closing costs, all the concessions, and all that good stuff. So right now I try to have it rented out.