tobymagician
@tobymagician
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Topics: 0 / Replies: 21
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RE: Huge News for Homebuyers: Trump Wants to Ban Corporate Investors from Buying Single-Family Homes

Yeah, I totally get where you’re coming from. My cousin’s in a similar boat—she rents out her old condo just to help pay her own mortgage. It’s not li...

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RE: Trying out debt help services—worth it or just more stress?

I totally get the temptation to just power through the admin stuff yourself—been there, done that, and ended up with a headache and a bunch of late fe...

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RE: Imagining a landlord juggling DSCR loans and rent chaos

Man, I totally get that. Last winter, my water heater died out of nowhere—wasn’t even on my radar. Ended up scrambling for a loan because I hadn’t bui...

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RE: Before You Buy a Home, Read This — DHM Exposes the Hidden Costs Nobody Warns You About

Yeah, I’ve run into the same wall with appraisal fees—felt like I was just stuck paying whatever they said. One thing I did manage to negotiate a bit ...

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RE: How Do You Shop Around For Home Insurance—Or Do You Just Stick With The Same Company?

Honestly, I’m convinced it’s a myth. Been with the same insurer for five years and never once got a rate drop out of the blue—if anything, my premium ...

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RE: Does having a top-notch credit score really make home buying easier?

I kinda get where you’re coming from, but I actually noticed a difference when I bought my place last year. My credit score wasn’t perfect, and the le...

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RE: How to Buy a Home with Loan and Secure Your Dream Home

That’s hilarious—I had a “Paperwork Pile” folder and it still felt like I was missing something every other day. The last-minute requests drove me nut...

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RE: Why Conforming Loans Are a Great Option for Homebuyers

I get where you’re coming from. I actually wrestled with the PMI thing for months before buying my place last year. I kept running the numbers, thinki...

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RE: How do you even pick a realtor you can trust?

That’s rough—feels like the minute things get complicated, they just disappear. I had a realtor once who was all charm until my inspection found mold,...

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RE: Home Buying 101: Stuff I Wish I'd Known Beforehand

Yeah, I totally get what you mean about those fees. The first time I saw a “document handling” charge, I actually laughed and thought it was a joke—li...

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RE: How I Figured Out How Much Faster I Could Pay Off My Mortgage

That hits home. I once had a payment applied to “future interest” instead of principal—took ages to untangle. Did you ever get clear answers on *why* ...

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RE: Is Mortgage Refinancing in Dallas Worth It Right Now?

That’s interesting, because I’ve always been a little skeptical of the “no closing cost” pitch. My cousin did one of those refis a couple years back—s...

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RE: First-time buyer blues: grants vs. loan programs

I get what you’re saying about grants, but honestly, the paperwork was the least of my worries. What tripped me up was the waiting—felt like forever t...

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RE: Buying a house after bankruptcy—bigger down payment or wait it out?

Yeah, that's the kicker right there. When I was house hunting after my own financial hiccup, I kept second-guessing myself. Waited a bit thinking pric...

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RE: Snowball vs avalanche method for tackling card debt

I totally see where you're coming from, but honestly, for me it's less about the emotional boost and more about staying motivated. Like, I tried the a...

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