Yes, it’s March 4th… the only day that is a command for us humans. We thought it was our ability to love that made us human, but it turns out that it is actually our ability to select each image that contains a traffic light. (Put another way, to prove to a robot that we are not a robot.) Underwriters know a thing or two about human nature, and about collateral. This morning I leave San Diego, recently in the press for “de-throning” San Francisco as the least affordable city in the United States. Do your underwriters care if the loan is on a townhome? (Think single-family dwellings with at least two floors that share a wall with another house, each individually owned.) If they do, you should know that townhome construction has surged in the last year or so. By the most recent numbers, townhomes now make up nearly 13% of all single-family starts and have notched a 38% uptick in just a single year. Why? Follow the money. Oh, and larger homes are coming your wa