[Hondaracer]

If anyone ever wonders how the majority of those monstrosities are paid for (let's face it they are almost all EI families with 10-20 people living there) my mom used to do mortgages from time to time for them until they stopped giving them out at her bank.

Actually it's not a mortgage, most of the time it's just a line of credit. Basically pool together as much money as humanly possible for some of the build cost/downpayment. They then get these massive lines of credit (were talking 1.5-4mill) with 8-10 co-signers. In almost every case very little if any is paid off the principle and only the interest is paid on a month to month basis.