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• STEP 1 (1 of 4 )
  

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  Step one: Get a ridiculous mortgage. The key here is 100% LTV and no closing costs. Bonus points if the payment is less that what you rent for.

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• STEP 2 (2 of 4 )
  

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  Lose job. This should be easy because you're a bad person anyway. Bonus points if you get fired for gross incompetence or compliance violation.

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• STEP 3 (3 of 4 )
  

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  Apply for loan modification. Replace the loan you got with the one you can actually afford...that is until you re-default.

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• UUUUU! (4 of 4 )
  

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  Re-default on modified loan. Brag to your sub-prime buddies that the system works--at least for stud like you. Fuck those banker snobs with loafers stuck in there asses.

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