As an Investor I have several houses and credit cards with JPM that I have had for a least a decade that I have been paying on. I have 795 Score. I had to file a DISCRIMATION OF EXCELLENT CREDIT to Financial Credit Bureau before they would give me the loan, but yet they will #$%$ your money away buying stock like the " WHALE incidence oversea investment where they lost billions. Because some of these big banks want give some of these small business and small real estate investors loans despite their excellent credit and excellent credit history the business let their properties go back to the banks...This is FACT!!!!. Here is a example that is having with someone I know NOW. They have excellent credit and have had excellent payment history with the bank, they have a 5 Year interest only loan that has a Balloon next September 2013. The bank would not work with the owner because he is a real-estate investor and his income is considered passive income from all his rental properties. This investor said when that BALLOON come due next September that he will AUTOMATICALLY LET IT GO BACK TO THE BANK because the home has lost to much value to get what he owes on the loan.