That's a great way to put it. Did you guys set up anything formal in writing beforehand, or did you mostly rely on trust and verbal agreements? Curiou...

Good point about screenshots—texts can be surprisingly helpful. But do you think digital records (like texts or emails) hold up as strongly as formal ...

You're right to question that—have you run the numbers yet? I refinanced a few years back and yeah, monthly payments dropped nicely, but when I looked...

Good points on both sides. I agree algorithms provide consistency, but rings true from my experience. Curious though, have you noticed if algorithm e...

Yeah, totally agree it can be tricky figuring out what's minor or not. Have you thought about how outdated fixtures or even landscaping choices factor...

Have you looked into possibly restructuring the loan terms to ease the monthly burden? I went through something similar a few years back—thought tappi...