- Spreadsheets were my jam for years, but once I hit property #3, stuff started slipping through the cracks. - Project management apps? Tried a coup...

Couldn’t agree more about the “secret code” part. I swear, insurance policies are written by people who majored in cryptic crossword puzzles. Here’s ...

Totally get where you’re coming from—sometimes it feels like they’re just making up new fees to see if you’ll notice. I’ve had “processing fees” disap...

Honestly, I’ve been burned by those “optional” add-ons too. Last year, I caught a lender sneaking in a $400 “document prep” fee—when I asked what it w...

Yeah, I totally get the “less is more” idea, but in my experience, it’s not always that simple. Here’s how I look at it: - If you send too much upfro...

Phased-in assessments do have that "temporary fix" vibe to them. Couple years back, our town tried something similar. At first, it felt great—no sudde...

Totally get the logic behind separate accounts, but honestly, underwriters can be overly picky no matter what you do. Last year, I had a payment label...

- Good points, but refinancing isn't always the safety net people think it is. - Had a friend who went through something similar—bought right after ba...

Interesting...my lender was pretty straightforward about the standard 20% equity rule, no mention of a two-year minimum either. Maybe yours has strict...

Totally agree with this. A few things to keep in mind from my experience: - Fiber plans can stall or get delayed for years—seen it happen firsthand. ...