Income Risk

Realtors. They feast. Or they...suffer famine.

Ironically (given that they promulgate so many home mortgages), they are a big risk for lenders, because they suffer such great income risk. That is, most realtors work for minimum wage, if that, as a base salary. And then get massive bonuses or commissions on top of that small base for having sold homes.

In a bad market, or in a bad economy, or in a ridiculously good economy when there's no home inventory to be sold or massive new competition enters the market, realtors suffer.

Income risk. You don't want this. Chat up your kindly dentist next time the economy is in the tank (and make her buy lunch...she'll be able to afford it because dentists do pretty much the same volumes of business in good economy and bad).