Yeah, I get what you're saying about shocking the market. I remember back in 2018 when they tightened mortgage rules overnight—buyers were scrambling ...

Couldn't agree more with this part. A few years back, I borrowed from a close friend to help fund a property flip. We thought we were clear enough jus...

Fair points, but I've seen situations where refinancing made sense even with a shorter timeline. Had a buddy who refinanced knowing he'd sell in about...

Refinanced a few years back when rates dropped, and tbh, it was kind of a mixed bag. Yeah, monthly payments went down noticeably, but it took almost t...