Although similar plays have already burned to the ground, last week corporate and institutional investors gave the online commercial mortgage space one more chance - pouring more than $50 million into Charlotte, N.C.'s MortgageRamp.com.

"For origination sites, right now there are four types of business models: business-to consumer versus business-to business versus clicks-only versus clicks-plus-bricks," said Davis Zhai, vice president and senior analyst with Moody's Investors Service.

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