Especially a large loan, that gets paid back over years or decades. Once you add "time" as a large factor, under falling prices and with risk of default rising over the life of the loan, it's like,
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this is how free market hard money interest rates arise - through the combination of the amount of reserved money being used for lending, versus the rate of failure of loans, it's pretty simple math to come out with a living from it, but it is risky at first until you get a measure of your default risk rate
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