You’re right about closing costs sneaking up—people get so focused on scraping together the down payment, then suddenly there’s a stack of fees at the...
That’s a pretty accurate way to put it. Some lenders still tack on “processing” or “handling” fees that don’t really make sense anymore. I always tell...
I’ve seen the same thing—people get so worried about scams that they end up missing out on legit help. You nailed it with this: In my experience, ...
You’re spot on about title insurance being a tough nut to crack. In my experience, the premium itself is basically locked in—state regulations don’t l...
I see your point about refinancing being a useful tool rather than the villain. From my experience, the confusion usually comes from homeowners not fu...
That's a fair point about convenience sometimes backfiring. I've seen it go both ways in my experience—sometimes amenities nearby boost property value...
Totally see your point on patience paying off. But honestly, I've seen buyers do fine after about 6-8 months if they're disciplined enough. Sure, wait...
That's a fair point—discipline definitely plays a big role. I've seen homeowners successfully tap equity for strategic improvements or emergencies wit...
Guilty as charged—I think we've all been there at some point. I once showed clients a beautifully renovated duplex that had them practically drooling ...
Good points here, especially about resale value. I've had clients who upgraded windows before listing their homes, and buyers definitely noticed the d...
That's a fair point—flexibility definitely matters. Had a client last year who refinanced to lock in a lower rate, thinking they'd be in the home at l...
Couldn't agree more on this point. Vacancy rates can seriously swing your DSCR numbers, and lenders aren't always transparent about their assumptions ...
Definitely learned that lesson myself the hard way. A few years back, I had a client who decided to tap into their home equity to buy a rental propert...
Did something similar myself about five years back—pulled equity to invest in a rental property. At first, I had some sleepless nights, especially whe...