Honestly, I get why you’d want to keep things super clean before a refi, but I’ve actually gone the other way a couple times and it didn’t cause as mu...

Couldn’t agree more with this. I’ve learned the hard way that if you’re confused at the start, it only gets worse as things move along. I’ve had lende...

I learned this the hard way with my first rental property. The HOA’s “reserve fund” looked fine on paper, but when I actually dug into their statement...

I get where you’re coming from, but I’ve actually had a balloon work out—timing lined up, market was hot, and the exit was smooth. That said, it’s not...

Yeah, those “non-negotiable” fees are a pain—seems like every lender has their own list, and they rarely budge. I’ve found that just asking for a brea...

Fair enough, but I'd say it depends on your comfort level with the whole process. Refinancing can definitely save you money—I did it myself a couple y...

I refinanced a few years back and had a similar experience. It did help me consolidate some higher-interest debts, but honestly, it wasn't the financi...

Exactly why I stick with Excel too. Had a scare a couple years back—thought I'd found this great budgeting software, but it glitched and lost about 3 ...

Exactly this. I've seen deals stall out at smaller banks because the underwriter wasn't familiar with rental income or side hustles. Sometimes bigger ...

Had a similar escrow issue myself a couple years back—took weeks to sort out, and I swear every call felt like starting from scratch. Your advice abou...