"Not the most exciting option, but my spreadsheet doesn't lie, haha..."
Haha, spreadsheets rarely do! Honestly, I've seen plenty of folks rush into buying right after bankruptcy, and while it's doable, the terms can be pretty rough. Waiting a bit longer to boost your credit and savings usually pays off big-time. Plus, that extra cushion can help cover unexpected repairs or upgrades once you're in the house—trust me, there's always something that pops up...
"Waiting a bit longer to boost your credit and savings usually pays off big-time."
Fair point, but isn't there also a risk in waiting too long? Prices could climb, interest rates shift... spreadsheets can't predict everything. Maybe there's a sweet spot between caution and jumping in too soon.
You're right, spreadsheets definitely don't have all the answers. I've seen clients wait for that "perfect" moment only to find the market shifted on them. It's really about finding your comfort zone—balancing patience with opportunity. Maybe keep an eye on local trends, chat with a lender occasionally, and trust your gut a bit too. Sometimes the sweet spot isn't crystal clear, but you'll usually feel when you're close enough to make a confident move.
Totally agree about trusting your gut. When I refinanced after my bankruptcy, I kept second-guessing myself waiting for rates to drop just a bit more... nearly missed out altogether. Eventually realized there's no perfect timing—just good enough timing. Sounds like you're already thinking smart about it.
"Eventually realized there's no perfect timing—just good enough timing."
Exactly this. When I bought my first place post-bankruptcy, I debated forever about saving more for a bigger down payment. Glad I didn't wait too long... prices jumped soon after. Trust your numbers, but don't overthink it.
