I see these comments are old and this comment may go unread but I got a CMG loan two years ago because I found that as a retiree conventional lenders would consider only my social security income and thus disqualify me for a loan. This even though I could write a check for the house if I chose to liquidate IRA moneys and pay the tax on it. CMG factored in my assets and allowed the loan with 25% down. So now I pay 3.5% interest only, make 10% on my investment income instead of paying down principle, a plus of 6.5% on my income. And I love the flexibility. Should the interest rate increase above investment yields i would pay down the loan. Perhaps the critics assume the loan holders can't manage their own money.