Rep Price America is in agreement with you. The stimulus has failed miserably and the only beneficiary's are the big banks! I've tried working loan modifications for 11 months on $1.3M in investment property. All I have gotten is the run around. Banks have made up rules that prohibit the ability for a modification to take place, the first being that the debtor must have financial's that show positive cash flow on the current mortgages before consideration of a loan modification! Then multi-unit properties must be fully occupied! This is farcical in itself as if an investor wanted to purchase a property, the bank qualify the borrower using 50% occupancy or revenue! The banks will only 'consider' the modification if the property is 100% occupied. Thomas Jefferson was soooo right. A central bank is nothing but a standing army against the people and the people are finding themselves homeless in the land their forefathers created. Tomorrow my first property will go into foreclosure.