Haha, I totally get the frustration of crafting a detailed spreadsheet only to have it barely glanced at—been there myself. From my experience, lender...

I get your point, but I'd argue lenders aren't just fixated on low debt. They're really looking at the overall debt-to-income ratio and cash flow cush...

That's a really thoughtful approach, and I appreciate you laying out your steps clearly. I agree that refinancing for lower payments isn't inherently ...

You're spot on about older homes being the real wildcard here. I've toured my fair share of properties—urban, suburban, rural—and honestly, age and pr...

Definitely agree with this approach. While juggling multiple strategies can offer some theoretical advantages, simplicity often leads to better long-t...