Ability to bundle multiple properties together from a family into a combined loan. One overall rate would be applied to the total amount due and each property owner would pay their share of the total due each month.WHY WOULD THIS BE A GOOD IDEA:Credit quality/credit score is used to derive the rate that is charged for a loan. By combining the financial capabilities of all family members, a better overall rate can be negotiated that each family member can use versus having each family member evaluated separately (Some family members have better credit/FICO scores that could be used to offset another family member's poor credit/FICO scores). A family member may not be able to afford the mortgage payment for a home because of the higher rate due to their impaired credit/poor FICO score. In many cases, family members help each other out with finances. So why not build a product that integrates this feature that a family with differing means/incomes can use?

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