Arrested Development: Ninja Loans Scene

[@mrjoe27]

I'm so happy someone put this on KZbin so that way we'd have it.

[@ilijaknezevic8370]

Now we have it.

[@berlinocelot]

@@ilijaknezevic8370 this way, we have it.

[@ilijaknezevic8370]

@@berlinocelot But do we need it?

[@berlinocelot]

@@ilijaknezevic8370 Ninja, please.

[@ilijaknezevic8370]

@@berlinocelot Is this crazy?!

[@edgarector]

"We have plenty of outgoing income."

[@sence11]

Outgoing income... That's an outcome 😉

[@acm0045]

As a cpa this was the funniest line. I had to keep going back to this line. Brilliant writing in this show.

[@matthewshroba1511]

@@sence11 that’s broke

[@sagatuppercut2960]

Me too. My credit cards are maxed.

[@faulsname8869]

“I’m in the real estate business, it’s 2006, that’s good enough for me” lol

[@mikeluit3027]

Ugh, even though I know this is a funny comedy, this still makes me a bit furious.

[@JeffreyGillespie]

Salesmanship at its finest LOL

[@Rspsand07]

I hope it busts again. I bought my house in 2007 and it tripled in value since then. I live a fucking hour outside of the city. Absolutely insane. People 15 years behind me will have to fly into the city for their job at this rate. Even something tiny and shitty is like 2x the price of my house.

[@tomr3422]

bought my first house in 2005, I remember the lender seemed like they were trying to lend me more then I needed, I knew what I could afford and what I needed, What was my girlfriend at the time was always turned to when I said no, that was 4 bought and sold homes ago - todays market is much different, if you pay cash they still want to run your credit and then you pay cash and then it takes a day for the house to fund even if its cash and not a loan.

[@mk1st]

Perfectly sums up the lending market prior to 2007. This scene could easily have been from The Big Short.

[@nicolajohnson1887]

I was a mortgage broker back then, it was insane, granted I'm from the UK so it may have been a little less crazy, but the sub prime deals were always on the edge, self cert mortgages 105% mortgages, seriously stupid stuff, I got out of the game prior to 2008 it wasn't a fun job tbh, but we all saw the bubble bursting.

[@Mrcaffinebean]

I had the same thought. It would have been great in that movie!

[@flybeep1661]

Prior to 2008, shit only hit the fan in the second half of 2008. Nothing was going on in 2007. I remember very clearly september 2008 was when hell broke loose.

[@fritzwilhelm8258]

A parody of The Big Short. Barely.

[@burtan2000]

And clearly we've all smartened up since then. No more of that stuff. In all seriousnesss, housing has taken off like crazy. It's good news bc my crappy little house (with good bones and in beautiful, picturesque neighborhood within a mile of two schools) is gaining serious worth daily. Convenient bc I prob need to sell it bc of the divorce but bad news bc I'll have to live in shitty, expensive apartments until thing swing back round again

[@goosemcgee6247]

I saved this clip to "Watch Later" ....that way I have it.

[@generalfuzzywuzzy]

That way you have it

[@guardrailbiter]

Well played. Hats off to you.

[@NaptownClassic]

That way you have it... Great point!

[@Trevin_Taylor]

Great point, indeed. They’ll have it that way.

[@philiproszak1678]

And then you'll have it.

[@idk-yu9zp]

“You don’t need a wine cellar.. IF you want to tastings in your butler’s kitchen” was such a Andy Bernard line

[@AlexAminoff]

Omg imagine having to do wine tastings in my butler’s kitchen 🤢

[@AB-nb2ic]

Like poor people 😆

[@anniebananie7887]

Oh the humanity!! 😂😂

[@markvrahas5080]

It’s a good thing you have it

[@thekiss2083]

Best scene in Season 4. They went 3 whole minutes without cutting to a flashback or another story!

[@ShubhamRajdhar]

That way you have it

[@KenSpreitzer]

That's the heart of my criticism of Season 4. It felt like it was 90% exposition just to get to one meh/medium joke. In earlier seasons the jokes were packed so thick you needed several viewings to catch them all.

[@thekiss2083]

@@IREV00 Oh, I watched them both. They each brought their own unique flavor of disappointment

[@IREV00]

TheKiss I was more responding to you joking about how season 4 cut to different stories every 3 minutes as that is something extremely present within the remix. Regardless that’s pretty interesting, could you elaborate on why you were so disappointed with the original?

[@thekiss2083]

I think it's widely acknowledged that the central appeal of the show is the interplay between all the cast members, and separating everyone for most of the season obviously cut directly against that. The individual episodes were all based around a single situation, and some were a lot more interesting than others. And the Cinco festival was aiming for this complex story structure but I think it got so lost in its own intricacies that it forgot to be funny. The same criticism I'd apply to the whole season.

[@DailyClickbait]

Anyone catch the fact that Maeby is doing the math of the cost of the house in the background?

[@Technical_Tony]

Daily Clickbait wow! This is part of what makes the show so great, even in season 4

[@Nirad650]

Maeby do math? She's doodling over the prices. The girl who thought of "throw away a banana, take a dollar" definitely doesn't do math when she's bored.

[@invisibomykol1]

I believe its just other property listings.

[@TheBoomhahaha]

She's not

[@austin-on4rk]

i’ve watched this show like 5 times, and only just now noticed that😭😭

[@Mang0Tang048]

Tobias saying "well we didn't discuss any of this" is way too real

[@Publiclighthouse]

“That way we’ll have it.”

[@Mang0Tang048]

"3 does sound bigger." "Oh it definitely is." Missed this the first several times lol

[@shanehowell8169]

The worst part is that, while this is funny, it was absolutely real in 2006.

[@guardrailbiter]

"You don't _need_ crippling debt..... but at least you'll know you have it."

[@redsoxu571]

The sadder thing is that Hollywood thinks this is how it was, but really it was both better and worse. If this were what actually happened, there wouldn't have been any losers, just people with no money who got years of living in homes for "free" or close to it and then had to foreclose on the house and end up where they started. In reality, the home buyers were trusting that they would be able to actually afford their mortgages and thus were making their payments, thus investing in what usually is a person's most important asset...only to lose it all when things busted. Meanwhile, the banks were irresponsible for sure, but they counted on a strong economy and real estate bubble to keep things flowing no problem. That set up the house of cards that then collapsed, not because of villainy (how Hollywood likes to see things) but selfishness and lack of care. A true tragedy is one that lacks cackling, knowing villains at the heart of a grim outcome, and that's what we saw occur.

[@tomford7983]

@@redsoxu571 Nah. The banks didn't count on a strong economy/real estate bubble, they developed a scheme in which they bribed their friends to claim the debts were safe and then chopped the debts into pieces and sold to third parties (foreign investors, pensions, retail investors, etc). Banks were absolutely the villains in this and they should have gone to prison for fraud.

[@redsoxu571]

@@tomford7983 Not sure why you said "nah". What you wrote I agree with (except the very last part, as a conclusion that cannot be satisfactorily deduced from what you accurately presented), and it does not contradict what I wrote. I didn't intend a full detailed breakdown, but what you wrote was part of the mistake the bankers made. They unwisely projected the economic and real estate context to continue, which would have kept those mortgages okay, which would have made it a victim-less "crime" (as it would not have left victims nor would any crime have been committed). But they were wrong, and they can be judged for that. Don't make the mistake of thinking you can create a crime out of immoral, but not illegal, action. It is generally agreed that the true injustice of what happened was that the status of the banks being "too big to be allowed to fail" meant that the bankers ultimately did not get held nearly to the amount of responsibility that they should have been, which would have been failure. The economy needed the banks to be preserved, and so the government preserved the banks, and so ultimate proper "punishment" was greatly lessened. That's a shame. But keep in mind that people irresponsibly allowing themselves to be misled into overextending their home buying power are also complicit in what happened, and for the same ultimate reason: greed. But it was an innocent and understandable greed, which is why it rightly has not be demonized. Be careful not to make the mistake of thinking that that absolves their part in this; and in being empathetic in that way, that does not rightly shift all blame to the banks. It's easy to create a bogeyman in these situations, and that is problematic. I recommend keeping Hanlon's Razor in mind in these situations: do not assign to malice what can be explained by incompetence. There were mistakes made by many people in many areas and to varying extents in all of this, but it's safe to say that nobody intended the market and economic collapse to occur, yes? However, had the various actors been more competent OR more responsible, the outcome could and likely would have been avoided. And so, we can issue measured and fair judgement on that basis, is my opinion.

[@markgorman4805]

No one forced the deadbeats to take loans they cannot afford. Banks have no fault here whatsoever.

[@kendylbigelow7198]

Ninja please

[@ModeratelyAmused]

Tweet that part to Justin Trudeau and he will will permanently ban all reruns of Arrested Development from airing in Canada. #Overcompensating

[@avilehrer9030]

Ninja, please!

[@stephensuddick274]

NINJA loan - No income, No job, No assets - perfect descriptor of those times.

[@punkrockdavid]

They were actually a thing

[@rpavlich]

Literally the name of the loan

[@h2w25]

Ninja please! 🤣 😂🤣

[@timothyharshaw2347]

They've made a come back

[@spritemultipack]

@@timothyharshaw2347 yeah pretty sure those cdos or synthetic cdos are just called by a different name now

[@sence11]

I just realised that @0:27 the realtor is looking at Maeby when Lindsay says they don't have any children. Hence why he looks so perplexed!

[@alvarosanmartin296]

Right!!! At first glance he was just another guy not catching lindsays hints LOL

[@OnceShy_TwiceBitten]

I thought it was the sultry look honestly. lol

[@salamon1080]

Lol good catch

[@fernando3061]

@@OnceShy_TwiceBitten it was yea that's where his eyes were directed.

[@TonyTheYouTuba]

Yep totally looking at Maeby there, who is almost certainly making a “give them a minute” gesture. And of course the genius of the edit is that you might assume he’s reacting to Lindsay, and it still works if you do.

[@bonzupippinpaddleoxacoppil484]

Hate to say it, but I work in retail and the amount of times I’ve used “that way you’ll have it,” is shameful. It works soooo well.

[@carsonkalahar]

The fact that people are still actively watching and commenting on this video shows how good this show is

[@keithklassen5320]

People comment of Batman V Superman videos.

[@tomr3422]

It was a great show and a lot of folks my age lived through the bubble - this while comedy isnt far from when I bought my first house

[@rightweaponry908]

"No incoming income flow, plenty of outgoing income" i say this all time

[@fredrick443]

I was a loan officer back then. There absolutely was "a lot of this" going on.

[@jonathannagel7427]

I was part of the system too, in Baltimore city, inspecting houses from the outside, sometimes having to go into crack dens. These were going into foreclosure. I had a laptop set up in my car like cops have, and just had to take a few picstires and click boxes on the general state of the property: whether it’s occupied, broken into, boarded up, damaged by a fore, etc. Got to see neighborhoods I would never ever go to otherwise, where a White guy taking pictures certainly stands out.

[@lukeweyant6771]

Oh ninja PLEASE

[@mannyc6649]

It was a nice touch the nameplate 'James "I don't sell" Carr(s)'

[@BlunderDownUnder]

Thanks for uploading this, because now we have it.

[@denniss8644]

Oh, I see what you did there . . .

[@andrehanderson]

And that way you'll have it, Dan

[@salamon1080]

Nard Dog has always been such a nice guy

[@NotShowingOff]

This one can sell paper to a paper mill

[@nagsterthegangster]

The confused look when his clients wife is hitting on him.. lmao. CLASSIC nard dawg

[@owenreese2216]

Say what you will about season 4, at least this way we know we have it

[@okstever]

And if you have it, at least this way you'll have it.

[@julsie3195]

"And that way we have it" -America's slogan c. 2006

[@irishjet2687]

Arrested Development's first three seasons are some of the best written and funniest bits of television ever created. I thought Season Four was...passable, but definitely not as sharp as the original run. It definitely has its moments, as this scene illustrates, but just doesn't work quite as well. I honestly don't remember if I saw all of Season Five, because it's been quite a while, and doesn't stick with me like the original seasons.

[@TheWerelf]

season 5 sucks

[@sluzzledude]

I actually prefer season 5 to 4 just because the cast is all in the same place again

[@allwrighty100]

@Irish Jet I agree but if you buy the boxset you have to get Season Five too, at least that way you have it.

[@robmausser]

Season 5s writing makes Season 4 look like Season 3

[@joeskis]

season 5 is just a massive re-edit of previous shot footage to hash some semblance of a story together.

[@chrisitan4909]

If anyone's wondering, Mr. F's licence plate says ANUSTART

[@MattWeisherComposer]

Mr. F!

[@ownpetard8379]

Need a little help. I see the joke as ANUS-TART. But what is the straight interpretation? I just figured it out: A-NU (new)-START. Thus Tobias' remark about starting new. The writing was brilliant.

[@caricatureparty]

just so you have it

[@colechapman6976]

“That way he have it” perfectly summed up how the recession happened. People overbought and were shocked when everything went crashing down and they couldn’t pay the mortgage despite knowing their incomes could not keep up with the payments on houses that they most likely didn’t fully utilize

[@sonny3854]

1:10 Lindsay: 3 does sound bigger Tobias: oh it definitely is

[@powerhour5823]

"This isn't really what we discussed." "Well we didn't discuss....any of this."

[@umleroi]

Thanks to this show, I started referring to the 2020 and 2021 treasury checks as my “Stimmy”

[@MichaelGlasson]

What was she talking about? How did she know about 2020 stimmy?

[@xraider64]

@@MichaelGlasson I think it was money from the government, given to businesses (not related a pandemic). But the Bluth company embezzled it and divided it among the Bluth Family.

[@jacobs2099]

@@MichaelGlasson There was a stimmy in 2006 of 600 dollars I think? Bush was trying to avoid a recession

[@neoneherefrom5836]

@@MichaelGlasson time travel bruh

[@k-leb4671]

@@jacobs2099 $600? That's it?

[@aguy559]

The writing for this show is so good.

[@martinXY]

Now I'll watch that clip from Margin Call, the one with Jeremy Irons, where Simon Baker says "sell it all today" and Kevin Spacey is all "Whaaaaat".

[@hinkhall5291]

Wonder what Paul Allen’s house looks like.

[@prasad530]

Definitely more expensive, with park views.

[@thedoc8876]

Apartment.

[@joshuac5537]

I hear it has a watermark

[@user-nz7mv2iy6d]

Oh my god, his gate house. It’s a double.

[@DdotRay86]

Bet it's real nice, now he's working the Fisher account

[@MingoDiMedici]

"Oh ninja please!" 1:08

[@nicanornunez9787]

Boy didn't notice that guy was Egg Helms

[@vegasjay2326]

Anyone else catch the Persian harp strum at the end?

[@dielaughing73]

COOOOINCIDENCE??

[@emedel5772]

Yup, they have it

[@adamcollins8907]

It's 2006, you don't have to pay a penny for 2 years... Lmao 🤣

[@victorespino5650]

Ninja please

[@michaelhuynh4953]

Who did he think Maebe was the entire time she was standing there!?

[@alexphillips5319]

he glances at her when they're talking about children

[@MrCarpediem6]

Maid?

[@timothyharshaw2347]

He knew he just didn't care. NINJA = No Income, No Job, No Assets. And no verification,

[@hunterscrackdealer6650]

Honestly, I’ll bet a lot of people looking back knowing what they know now… would have just said, “F It!!!” And gone with the 28,000 sq ft McMansion with the HeliPad and the Italian Marble Infinity Pool… they were going to be foreclosed on anyways… Live It Up… YOLO!!!!

[@Shadowjedi007]

Ninja pls!? Lol Jesus 😆

[@SovereignMoney]

That way you have it.

[@tomitstube]

many books written about this... what's stunning is how few people went to jail.

[@vitaliymomotok5955]

Only a peasant would do wine tastings in the butlers kitchen.

[@aakksshhaayy]

NINJA = "No Income No Job and no Assets" loan

[@ownpetard8379]

Ninja, please!

[@trancedoutkid]

I might be alone in this but I loved season 4. Maeby was my favorite part by far though

[@silentgnome]

Season 4 was amazing, just that people didn't get it.

[@PeugeotRocket]

@@silentgnome It's not that people didn't get it, it's that they completely destroyed what made the show great and that was the chemistry between the actors and actresses. Most episodes only really focused on one or two characters at a time versus the old seasons where everyone was constantly interacting with each other. And yes, I'm aware of the reasons for this change due to scheduling issues but it still doesn't change the fact season 4 was an absolute joke compared to the first three seasons.

[@almishti]

I always thought Maeby never got enough screen time.

[@felixbaxter352]

We have plenty of outgoing income flow.

[@ChrisH.0802]

Lyndsay: there’s one thing we DO have Ed Helms: Work ethic!? Lyndsay: Right, no work ethic…

[@Nostylistbrad]

So this is what Andy did after the office

[@MichaelBarrett1984]

Nah this was before

[@hooman6959]

It was in 2013 so its probably after dunder mifflin

[@WAncouvOR]

@@hooman6959 I guess his singing career didn't go so well in LA.

[@marinavam3942]

He also played a realtor in the original series. I guess he reprised his role.

[@Aristides_96]

Well Andy got really better at his selling skills

[@Eaterofeaterofpies]

1:08 lmfao ninja please instant classic line

[@garyo8481]

“Oh ninja please!”

[@PumpkinSpicePretzels]

"This was when banks were trying to create as much debt as possible"... I guess they're in overdrive these days.

[@sence11]

Outgoing income = Outcome!

[@diegoyotta]

N - No I - Income N - No J - Job A - Assets

[@ownpetard8379]

Oh NINJA, please!

[@christianbeck7901]

Pretty much how the Great Depression happened and every depression and recession. Banks being absolutely terrible with loans

[@mightisright]

This is great satire. It "skewers" the lives of several Americans.

[@jksinorbit]

I was working as a waiter back then and one of the busboys i worked with owned 3 properties....just saying.

[@Nordicjumper]

Funny story. I took an economic class for my MBA program and we were discussing the 2008 financial crisis. I actually presented this specific video in the class. My classmates were on the floor! 😂

[@VanessaForney]

The reason I uploaded this video was to share with my econ professor after we talked about the financial crisis! 😂

[@ZTM432]

Dammit why couldn't I get a ninja loan... I was 16 there was literally nothing stopping me

[@coccoinomane]

The house in the end is the same mansion of Get Hard!

[@MrTravisk123]

"That way we have it."

[@Ricobaca]

30 days later they purchased a brand new cardboard box.

[@PKBratney]

I just watched The Big Short in two minutes and twenty-eight seconds.

[@billgatesleavingyamomshous8177]

“We have outgoing income” *And I took that personally*

[@Rbcinema68]

Plenty of outgoing income 😂😂

[@thenewadventuresofhenry6998]

"You guys are exaggerating." "Only a LITTLE BIT, that's the messed up part!"

[@ripelivejam]

This scene felt very Portlandia-esque

[@spewter]

Was that exterior shot at the end of the clip the same house that was in The OC season 1?

[@yevgeniyban765]

That's what I was thinking

[@ChrisH.0802]

Don’t call it that

[@buymore2699]

Oh andy got a job after he quit Dunder Mifflin

[@lifescansdarkly]

I would totally take the credit hit to live for free in a castle for two years

[@qaz3000]

Its more than a "hit". In canada a SINGLE missed mortgage payment drops you 100 credit points. I can't imagine what having your home foreclosed on you would be.

[@favoritemustard3542]

🎶Uh-oh, we're in trouble... Ø-8's come along & burst our bubble (yeah yeah)🎶

[@theknoxussy7191]

Omfggg imagine if the office and arrested development did a crossover💀

[@guardrailbiter]

The styles of humor would definitely work well together. Jim Halpert and Michael Bluth would compete to determine who best fulfills the "straight man role."

[@theknoxussy7191]

@@guardrailbiter literally omggg

[@guardrailbiter]

@@theknoxussy7191 At the beginning of an episode, Jim and Michael are just staring with that "seriously?" look on their faces. Meanwhile, the entire episode unfolds. Just before the credits roll, we cut back to Jim and Michael; they haven't moved.

[@waltonsimons12]

I wish they'd do a crossover episode. That way we'd have it.

[@thetheo859]

Omg missing my AD off camera punchline shot brilliant, saw Veep steal your stuff

[@lialia2268]

This shows writing is just amazing lmao. They part with Maebe tho

[@RedHearts178]

I mean it’s one house what could it cost? 10 dollars?

[@Benjumanjo]

They took it, they had it, they lost it, and now it's gone.

[@peteguard3571]

They were still doing this as the crash was happening. The mortgage guy was trying to talk me into the biggest loan possible, bigger than anything I could ever pay off on my limited income. I asked, didn't you guys learn anything. He just shrugged.

[@johnkaiser4708]

Did it have a special room for Tobias’s Analrapist sessions?

[@bocagoodtimes1460]

Wow...explaining the housing crisis of 2008 in 2 minutes and 28 seconds.

[@MH-nc5jd]

Hmmm, Ninja loan.. are they perhaps a subsidiary of Cyber Ninja?.. all the idiot boxes are checked, so probably definitely

[@CJusticeHappen21]

They things you have, end up having you.

[@michealknight19]

I keep replying it. It's fucking funny. Especially the way the real estate agent looks at her after she says she doesn't have any children.

[@Abi-uj8yg]

Oh ninja please 😌🤪

[@yasinov1256]

Ninja please!!

[@trope5105]

this is just hilarious now that we have hind site lol. so good man.

[@highviewbarbell]

Nobody mentions his name: James "I Don't Sell" Carr(s)

[@Ray_D_Tutto]

Ninja please.

[@funnyshish6305]

Ninja please!

[@novajtv]

Ohhh ninja, please! Bahahaa

[@hindugoat2302]

no wonder the home loan industry collapsed... at least they didnt go for a triple gate house

[@Dejavudiable]

This sort happen to me, plus I think I was drunk almost the entire time....

[@michaelgriffith5747]

How do you tell ed helms he's no Opie?

[@armacham]

Did David Cross ever apologize for saying "Ninja Please"?

[@mikem4432]

Oh NINJA Please..

[@Melpheos1er]

What could have gone wrong ?

[@AndyFahey]

If there is one thing you can count on, it's American greed.

[@allanjasonmburu2186]

oh, ninja please