Context: While my FICO is good , my debt to income ratio is not the best and I have more than four properties . Some of you might not know this , but borrowers with more than four properties are having problems getting any loans at all . I recently talked to a big time investor that has hundreds of properties . His financials are pretty good , but no one will give him a loan , he has to pay cash .

Question: Why is my FICO good ?
Options:
0. Because I pay my bills on time .
1. Because borrowers with more than four properties are having problems getting any loans at all .
2. None of the above choices .
3. Because I have more than four properties .
Answer: 0