Couldn't agree more. When I bought my first rental, I went heavy on the down payment thinking I'd save big on interest. Then the furnace died mid-wint...

I can definitely relate to your experience with adjustable rates. When I first tapped into my home's equity, I was initially drawn to the adjustable o...

You're definitely not imagining things. I've noticed banks becoming more selective lately as well, especially compared to a few years ago. A friend of...