Yeah, lenders can get pretty dramatic about minor vacancies. Had a similar situation once where my lender freaked out over a short gap between tenants...

Yeah, spot on about flexibility. When I refinanced, I actually chose a slightly higher rate because the lender offered way less hassle with paperwork ...

Yeah, those calculators can be a lifesaver. When I refinanced a couple years back, I thought I'd found the perfect deal—no closing costs sounded aweso...

Honestly, I think the down payment matters way more than just waiting it out. Had a buddy who filed bankruptcy about five years ago, and even though h...

Yeah, that's a solid point about breathing room. When I bought my place, I still had student loans hanging around, but I made sure the monthly payment...