Well I have two effects on their story first hand. The multiple loans to buy a home or such was what the buyer of my previous home did to get in the door. 80/10/10 however it was not because the values exceeded maximum loan values but they could not make the down payment but wanted in the area.

The second is the combining of credit scores for couples, good friends are currently renting as his wife's score is the pits. This is even after spending two years so far paying down here debts which were not education related. On his own he can land any house they want, together they have to accept loan rates that make it not worth the costs.

I figure the twenty percent rule saw a resurgence because that number was so ingrained into the minds of buyers and sellers.