Why would someone who clearly is not experienced with marijuana write an article about it? I agree with the general sentiment but you really should have found someone else to write this.

Something most people forget is that realtors are often not looking out for your best interest. The average realtor in CT only closes about 15 deals a year. Many of them aren’t rolling in dough and are highly motivated to make money.

In my experience, people get approved for 400k and immediately start asking me how they can buy a house for 420. We always want more

In the mortgage industry, rule of thumb is that one extra payment per year will reduce a 30 year mortgage to a 23 year mortgage. Make all the extra payments you can!

For a Conventional 15 year loan; your housing ratio (PITI/monthly income) must be below 36% even with manual underwriting (most difficult underwriting process but allows approval with higher ratios). My point being that your advice actually falls right in line with the way mortgages are required to be structured.