I get where you’re coming from, but I think there’s a bit more to it than just “ugly shrubs.” You said: I’ve seen plenty of buyers get burned becau...

That’s exactly my concern. You get breathing room, but is it just kicking the can down the road? I’ve seen folks refinance, then end up with more debt...

I get what you mean about the paperwork—it’s wild how much they want up front. I remember thinking, “Is this really worth it if I’m not ready to build...