Just saw this on CNN. Instead of kicking out Mr. Out of a job for 12-24 months, BOA is giving the homeowner an option to rent back the home. Now, instead of carrying a bad assest, and incurring fix up and sell in a bad housing market costs, the bank can put the mortgage on hold and generate rental income in the interm until the homeowner can re-assume the mortgage. Bank is happy, homeowner is happy. Brilliant.