A POINT is equal to 01.01% 0.01% 01.0% O 0.001% Question 24 2.5 pts An increasing vacancy factor is beneficial to a commercial income producing property important in residential property but has no importance in commercial income producing property of no effect to a commercial income producing property detrimental to a commercial income producing property Question 25 2.5 pts If a mortgage loan applicant's front-end debt ratio was slightly above the maximum allowed debt to income ratio, the lender would most likely approve the mortgage loan application as submitted, o suggest that the borrower find a house that costs less and/or renegotiate the purchase price of the house work with the borrower to see if they could pay off some of the borrower's debt. decline the mortgage loan application without any further discussion with the applicant