That’s spot on—those loan estimates are where you find the “hidden” stuff. I’ve seen folks get blindsided by origination fees or weird processing char...

Had a similar issue recently—client's DSCR got skewed because the AVM pulled comps from a luxury building several blocks away. Took some back-and-fort...

Couldn't agree more about drainage—seriously underrated. I once had a client who skipped a proper gutter inspection, and a simple clog turned into maj...

Yeah, lenders can definitely get hung up on the weirdest things. I had a client once whose loan approval almost got delayed because of an old chicken ...

Yeah, underwriting can get pretty detailed these days. It's funny until you're the one explaining why you Venmo'd your friend for "concert tickets &#x...

Interesting points, but I'd caution against assuming tree coverage isn't a significant factor everywhere. Insurance companies definitely have their ow...

Good point—it's all about the break-even timeline. Usually, if you're planning to move within 3-5 years, rolling costs into the loan makes sense. Long...

I get the frustration, banks can definitely be rigid about freelance income. But to be fair, from their perspective, freelance earnings can fluctuate ...