That's a solid point about timing. I mean, charm and persistence can definitely get you some wiggle room with lenders, but the market itself sets the ...

Exactly, lenders definitely look beyond just debt levels. I've noticed they're also big on your track record—like if you've successfully managed renta...

Totally agree on the prepayment penalties—those can really sneak up on you. Had a friend who refinanced to snag a super low rate, only to get hit late...