Tracking home improvement expenses is definitely useful, but honestly, relying solely on digital backups or photos can get messy too. I've had clients...

You're definitely right about flexibility—I see it all the time in real estate. People get so fixated on their "perfect" house or investment property ...

You're spot on about unintended consequences—seen it happen plenty of times. While tighter rules sound great on paper, lenders always seem to find new...

Good point about the accountant letter, though honestly I've seen mixed results with that. Some lenders are picky and want everything neatly packaged ...

Fair points raised here, but honestly, I've seen investors get burned both ways. Sure, locking in a lower rate saves money long-term, but liquidity is...