That’s been my experience too—traditional lenders rarely give full credit for rental income, even with a strong lease in place. DSCR loans are suppose...

Yeah, it really does feel like every dollar is under a microscope these days. When we closed on our place last year, they flagged a $35 PayPal from my...

Title: Home Buying 101: Stuff I Wish I'd Known Beforehand Yeah, spreadsheets really are the unsung heroes for this stuff. I’ve tried a couple of “pro...

Honestly, I’ve found myself stuck in bank escrow limbo more times than I’d like to admit. The “safe” reputation is real, but man, the amount of paperw...

Budget could be part of it, but do you think it's also possible they're stuck with outdated tech or legacy systems that make improvements harder than ...

Exactly this. Ever notice how the process itself feels intentionally complicated? Like they're hoping you'll just throw your hands up and say "fine, t...

Good on you for pushing back—it's surprising how often those fees magically disappear when you question them. Did they give you a hard time about it, ...

I've noticed fridges and ovens tend to hold up pretty well refurbished, probably because they have fewer moving parts compared to washers or dishwashe...

Yeah, that's a great point. Appraisals can be tricky because they're often based on comparable sales in your area, and if solar isn't common yet where...

Speaking of fine print, has anyone noticed lenders slipping in early payoff penalties lately? I thought those were mostly phased out, but heard a frie...

Yeah, practical usually does win out, but do you think there's ever a time when splurging a bit actually pays off? I mean, I've seen cases where somet...

Have you considered that sometimes having a slightly larger reserve—say closer to 18-20%—can actually help you sleep better at night? Sure, it ties up...

I ran those numbers recently, and honestly, it's a bit of a mixed bag. At first glance, the lower rates looked really appealing, but once I started fa...