[fsstnotch]

I'm curious what you guys think about Hybrid loans? I have a VA Hybrid. the terms are 4.5% fixed for 3 years. After 3 years it can go up or down a max of 1% with a 9% cap. I am currently starting my 3rd year fixed. This loan is currently on my rental property which I will never have a problem renting.

I think alot of the problem with the foreclosures is people living outside their means... as well as people financing into something they don't understand.