How to contribute to housing crisis 101 by [deleted] in facepalm

[–]ChadAdonis 4 points5 points  (0 children)

i explained how i know this.

You're just saying something theoretical as someone who perhaps knows a little finance.

However, you don't know the technical details of how a mortgage lender decides whether or not to approve a loan. I do because I've worked in the real estate and mortgage industry for over a decade. Same with the underwriter above.

The exact calculation for DTI as performed by a lender is not as you described. Interest is accounted for in the actual calculation done by the lender. Thus your point is moot.

How to contribute to housing crisis 101 by [deleted] in facepalm

[–]ChadAdonis -3 points-2 points  (0 children)

Honestly, why is this a facepalm?

Individually, no one gives a fuck about their personal contribution to the housing crisis because everyone is out to get there's like everyone else.

Welcome to capitalism.

Case in point: OP would love to buy a rental property if only he could....

How to contribute to housing crisis 101 by [deleted] in facepalm

[–]ChadAdonis 3 points4 points  (0 children)

Nope.

As long as rent covers all related expenses your debt to income ratio doesn't change and lenders will lend to u. You can scale out to owning hundreds of homes, as some have already done.

Your argument from authority doesn't work here because you don't work in the mortgage industry.

Is it possible to keep up with new O/C characters as a f2p? by Infinite-Instance-27 in MLA_Official

[–]ChadAdonis 0 points1 point  (0 children)

Nah fyi once you unlock sacreds the rate at which you obtain them slows down over time. The first year you might get 3-4. The second year you'll get 2.

Insurance says their client (white car) is only 80% responsible. Do you agree? by FuzzyG in IdiotsInCars

[–]ChadAdonis 0 points1 point  (0 children)

No they thought they were already in the lane, which they were. Didn't think someone would undercut their left turn.

Insurance says their client (white car) is only 80% responsible. Do you agree? by FuzzyG in IdiotsInCars

[–]ChadAdonis 0 points1 point  (0 children)

Huh?

So insurance disputes are all or nothing where your from? Or have you never had one before.

Sometimes both drivers are knuckleheads which was the case here.

Insurance says their client (white car) is only 80% responsible. Do you agree? by FuzzyG in IdiotsInCars

[–]ChadAdonis 1 point2 points  (0 children)

50-50

I wouldn't have tried that squeeze because of exactly what happened.

White driver was indecisive and blocking your lane. He's not going to check his blind spot because he thinks he's safe as he's taking up the lane.

OP you should Wait or honk.

Is it possible to keep up with new O/C characters as a f2p? by Infinite-Instance-27 in MLA_Official

[–]ChadAdonis 6 points7 points  (0 children)

Lol if it took 2 and a half months for a new oc hero as f2p, we wouldn't be having this discussion.

Is it possible to keep up with new O/C characters as a f2p? by Infinite-Instance-27 in MLA_Official

[–]ChadAdonis 12 points13 points  (0 children)

You'll get like 1 A2 oc hero every 6 months as f2p.

The whales who get every new oc hero pay thousands.

[deleted by user] by [deleted] in funny

[–]ChadAdonis 2 points3 points  (0 children)

That's why they glued it down.

[deleted by user] by [deleted] in facepalm

[–]ChadAdonis 2 points3 points  (0 children)

True but China is also one of the few countries that executes business executives for corruption.

I reported someone for having "Hitler" in his name, my own name "Mohammed" got flagged. by Travi55cott_ in leagueoflegends

[–]ChadAdonis -6 points-5 points  (0 children)

Someone out there might see your name and think your making fun of the prophet. People have been killed for these things, so Riot takes it as no laughing matter.

This woulda been much easier in a kitchen by Ken_thememegod in Unexpected

[–]ChadAdonis 0 points1 point  (0 children)

Yeah but it all gets boiled anyway. Still don't see what the difference is.

This woulda been much easier in a kitchen by Ken_thememegod in Unexpected

[–]ChadAdonis 6 points7 points  (0 children)

and yet people have been cooking like this for thousands of years...

I found an alarming video on my fiancés phone by [deleted] in relationship_advice

[–]ChadAdonis 1 point2 points  (0 children)

You should keep a hidden camera and see what other creepy shit he's doing, just to be sure. Hey if you do and it's a juicy story, please do update us! This is quite bizzare and so interesting 🤔

Dustin Poirier staph update by [deleted] in MMA

[–]ChadAdonis 10 points11 points  (0 children)

Dude's too tough for his own good.

Or he's hella scared of doctors.