I get what you're saying about balancing emotion and logic. When I bought my first place, I totally fell for the charm—ignored some red flags like out...

Yeah, refinancing can be a real rollercoaster—been there myself. Good thing is, once it's finally done, you'll forget all about this hassle. Hang tigh...

Yeah, deed-in-lieu definitely seems less harsh. My brother went through foreclosure and it haunted him for years—couldn't even get a basic credit card...