Keeping a chunk untouched is probably safer overall, but honestly, I'd lean toward stricter repayment timelines. Seen too many people dip into that 'u...

Fair points, but isn't there also a risk in waiting too long on the sidelines? I mean, zoning changes can swing both ways—sometimes land you thought w...

Yeah, totally get your point about appraisers focusing on the boring stuff, but isn't it also about what's typical in your neighborhood? I've seen cas...

Yeah, that's a smart takeaway. I get why people do it—makes sense on paper, right? But there's always that nagging doubt: what if rates spike or the m...