I hear you on the GFCI thing—one time I had to swap out a perfectly good outlet just because it was “within six feet of a sink,” even though the city ...
That’s exactly the kind of thing I learned the hard way. Years ago, I locked in a killer rate on a rental property, but the prepayment penalty was bru...
I’ve run the numbers on paying points a few times, and honestly, it’s rarely penciled out for me unless I was dead set on holding the property for 10+...
I get where you’re coming from, but I’ve actually seen it go sideways when folks overshare too soon—especially in real estate deals. Sometimes laying ...
Yeah, lenders definitely don’t hand out gold stars for having a complicated portfolio. I had a similar runaround when I tried to refi after picking up...
Totally agree—having the full breakdown has saved me more than once. I remember one time a “doc prep fee” was buried in fine print, and it was almost ...
Had a similar experience last year—had everything ready to go, even color-coded folders (don’t judge), and still got hit with “missing” docs that I’d ...
Funny you mention the “document prep” fee—ran into that exact thing last year on a duplex refi. They tried to sneak in a $400 charge for what was lite...
I’ve run into that same brick wall with lender fees more times than I care to admit. There’s this idea floating around that if you just push hard enou...
Title: First-time buyer blues: grants vs. loan programs I get where you’re coming from, but I wouldn’t write off those grants entirely just because o...
That’s a classic red flag, for sure. I’ve seen both sides of this—years ago, before I started investing, I rented a place where the landlord insisted ...
I’ve noticed the same thing with credit unions—they’re just more willing to look at the whole picture, not just the numbers on a screen. Years ago, af...
I hear you on the unpredictability. Back when I started out, I actually took a balloon mortgage on my first flip because the upfront payments looked g...
Yeah, I’ve had similar luck just picking up the phone. Had a lender once who actually walked me through their process and even emailed me a confirmati...
I’ve actually been in that exact spot—thought I’d have a place sold in six months, but the market cooled off just as I listed. Ended up holding onto i...