Honestly, you’re spot on about the safety stuff. I’ve seen FHA flag some truly odd things—like peeling paint on a 2x4 in a shed that’s not even attach...
Here’s where I get a bit skeptical—outsourcing to debt relief companies sounds good on paper, but I’ve seen people lose track of their own finances be...
- Been there with the paperwork chaos—swore I’d never let it pile up again after losing a property tax bill in a shoebox. - Digital folders help, bu...
Had a property a few years back where I just stuck with the same insurer out of habit—big mistake. When a pipe burst, turns out water damage wasn’t co...
That’s mostly true, but I’ve seen underwriters get picky even with two years of side gig income. Here’s what I’ve run into: - Lenders want to see not...
Pet rules are a minefield—seen folks get tripped up by “no reptiles” or even fish tank size limits. On the capital improvements, I always dig into the...
Yeah, those letters are wild. Had to explain a $25 overdraft from two years back—felt like I was writing an apology to the bank’s CEO. - FHA’s “flex...
Yeah, I hear you on the closing costs—most folks are shocked by how much gets tacked on at the end. Here’s the thing: even with a detailed Loan Estima...
Escrow cushions are always padded more than they need to be. Last time I refinanced, they tried to sneak in three months’ worth—said it was “policy.” ...
Couldn’t agree more with this: That’s pretty much the whole game, right there. My take, from having gone through a bunch of these (and not just VA l...
Yep, exactly this. I've seen plenty of folks dive into refinancing thinking it'll be quick and easy, only to end up buried in paperwork and frustratio...
- DIY backsplash, sure, but even that can spiral into a weekend nightmare if tiles decide to rebel... - Plumbing/electrical? Learned that lesson after...
Interesting to hear a bath upgrade actually paid off. Usually, appraisers I've dealt with don't seem overly impressed by cosmetic stuff unless it's re...
I've seen it go both ways, honestly. A few years back, I had a property lined up that ticked every box—location, size, potential for growth—but my fin...