6. Even if developers intend to hold properties after completion, they should still analyze the viability of a project firstly as a stand-alone development and then separately as an ongoing investment opportunity. a. True b. False 7. The increased use of performance fees by real estate funds over the last two decades has led to funds being more cautious and retreating to 'Core' investment strategies a. True b. False 8. Which of the following isn't a factor that will be considered when assessing default risk during the mortgage underwriting process? a. Payment-to-Income Ratio b. Building Insurance c. Loan-to-Value Ratio d. Default Insurance