Yeah, that’s spot on—lenders are all about minimizing risk, and a W-2 job just checks their boxes. I’ve seen it play out with clients and even in my o...

Yeah, it’s gotten pretty intense lately. I had to explain a $12 Venmo for “lunch” last time I refinanced—felt a bit ridiculous, but I get that they’re...

Totally with you on the importance of details in the lease. I’ve seen “utilities included” mean everything from just water to full-blown electric, gas...

I’ve seen a couple folks pull it off, but only when the market was in their favor. Once rates climb or values drop, lenders get picky fast. Predictabl...

That’s the thing with balloon mortgages—they look great on paper if everything goes perfectly. But in real life, delays happen. I’ve had projects drag...

Good points, especially about the equity build-up—seen a few folks get caught off guard by that. One thing I've been curious about lately: has anyone ...

HELOCs definitely have their place, but I'm curious—has anyone compared the long-term impact on estate value when using home equity versus traditional...

Another useful angle is tracking your spending closely for a few months—tedious but eye-opening. Helped me spot small leaks in my budget that added up...