The reason a borrower would pay that duty is to avoid imminent foreclosure or a "quick sale" of the property. That could amount to as much as a 30% or deeper discount as is common on short sales. By taking a abbreviated vocable bridge or hard Almighty Dollar loan, the borrower often saves equity and extends his bit to Hard Money Lenders get his affairs in order to larger manage the property.

Commercial and other income producing properties are still favored to residential properties as they are easier to value and understand from an underwriting perspective.