Flexible down-payment programs help many seal the deal
Many seniors looking to tap home equity still out of luck
Concept blooms as owners seek space to store boats, RVs
Chances of reducing home's tax value greater in declining market
Many qualify for assistance during strike, layoff
For those with second homes, strategy can help keep property in the family
Rate of return often greater than on savings accounts, stocks
Limited personal use OK'd for homes in 1031 exchange