There are various issues seen to be emerging from the documentary that can be looked at from a business point-of-view. The house of cards documentary can be analyzed looking at strategy. The strategy used in the program was not economically viable and sustainable leading to the surge in the homes. The Federal Reserve chairman had encouraged the mortgage industry to come up with different types of loans in order to enable more people purchase homes. He went ahead to say that new mortgage arrangement would really be beneficial for American consumers if the lenders would offer a wider range of mortgage alternatives as opposed to the fixed -- rate mortgages which were in existence. This was very amusing to bankers since their business was to pool mortgages for investors to purchase and in turn would remit monthly payments generated by the mortgages. This means that the more mortgages lenders would have to offer for homebuyers, the more the bankers would sell. Unfortunately this was a very poor strategy for mortgage lenders. This is because this program was very inappropriate for the majority of those who took it (Richmond, 2009). Encouraging more mortgages with a view of encouraging spending and money circulation, unfortunately never came with check and balances hence the market ran unregulated. Standards for getting mortgages were set aside, the rating criteria by the rating companies were highly compromised with the view of having repeat clients and the banks were more willing to give out money in form of mortgages.

This program only favored bankers since there was a pay option of negative amortization an adjustable rate to mortgages. It was actually put in place in order to encourage those who wanted to buy houses for the first time and they could not afford the cost of the loan. Those buyers would get the option of paying only part of the interest which they owed the lenders each month. The interest that had not been paid would be added to the total amount of the mortgages hence increasing the balance of the mortgage instead of a congruent reduction in the balance with the continued repayment. This was not a proper and profitable strategy since eventually there were people who lost out on the program while others benefited. This was an unfair strategy to the buyers since they would in the long run have to pay higher amounts of money for the mortgages (Bark, 2009).

The planning of the entire program is also depicted as wanting. This is because initially the plan never premeditated the idea of granting home loans to the people who were not able to raise a down payment for a house but really wanted to live the American dream of owning a home. Unfortunately this came into the plan halfway without any necessary regulations. The housing bubble then extended to those who were not credit worthy or could not afford a down-payment,