... pooled together when a certain dollar amount isreached, say $500 million. They are then securitized or packaged together and sold to investors who seek to maintain a specific yield or return on theircapital. ... on theircapital. Because the loans are pooled together, it is very difficult to pay off asingle loan out of the pool prior to the end of the term, and, in many cases, the borrower is locked out ... lenders are usually the most stringent with their requirements.Individual loans must conform to uniform standards before they can bepooled together, securitized, and sold to investors.Conventional...