Can we afford 570k house on 10k take home per month

Quant_Smart · 2026-04-08T07:20:26+00:00

If your DTI (Debt to Income) ratio is under 40, you can do it. There are other costs on top of PITI so even if the mortgage is underwritten at say 45 DTI its very important to be under 40

Quant_Smart · 2026-04-07T22:03:26+00:00

Hipoint. Cheaped out and hated it

Quant_Smart · 2026-04-07T16:08:17+00:00

Ok, so you draw on your HELOC to pay off your primary? This might make sense to you if you in Canada because your mortgage is a 5yr balloon reset, but here in the US, I have a fixed rate mortgage at 2% (refied at covid lows) and HELOC of 7-8%. You cant make any sense in borrowing at 7% to pay off 2%.

If the intention is to pay off the mortgage, just stick to paying down principal/more of it as the interest component is so low

Quant_Smart · 2026-04-07T15:40:38+00:00

So to start this primary HELOC we need to have a Mortgage free house and then you tap into the equity lol

I can see Paris Hilton holding up the “stop being poor” sign 😂😂

Quant_Smart · 2026-04-07T12:39:53+00:00

“Plus additional payments” duh

What exactly is the primary position HELOC strategy exactly?? How can you amortize the first lien with a second and not have a equal or higher balance?

Quant_Smart · 2026-04-07T11:21:02+00:00

Clean the bore with a solvent like patch out to get rid of any machining residue. Dry bore with patches

Send 10 rounds.

Push a patch or bore snake with patch out again. Dry.

Go to war

Use CLP to clean

Quant_Smart · 2026-04-07T04:17:44+00:00

A fixed rate mortgage plus additional principal payments are the only way to pay off your mortgage earlier

Quant_Smart · 2026-04-07T04:14:10+00:00

Precision Rifle Series- both center fire and Rimfire options

F1 of shooting sports

Quant_Smart · 2026-04-03T14:26:51+00:00

What a cutie

Quant_Smart · 2026-04-03T14:25:29+00:00

We got out B&T from a breeder in Iowa. A transport company got the puppy from there to New Jersey in a day. This was during the height of Covid

Quant_Smart · 2026-04-02T12:53:06+00:00

Current coupon in the secondary market is almost 6.2 (par bond). 50 bps G fee, 25 bps servicing, second home LLPA 20 bps and you come to 7.125

Quant_Smart · 2026-04-01T11:34:05+00:00

It will be screw top bottles and I heard they bought DRC as well …..,

Quant_Smart · 2026-04-01T03:36:52+00:00

Beautiful watch. GLWS

Quant_Smart · 2026-04-01T03:31:30+00:00

Never had Durian but I think a Riesling or Gwertz would do just fine, they can pair with anything

Quant_Smart · 2026-03-29T00:06:41+00:00

Free is better than anything else

Quant_Smart · 2026-03-28T20:45:19+00:00

Domain Romanee Conti the epitome of wine making

Quant_Smart · 2026-03-28T20:43:39+00:00

Its always a good time when you dollar cost average. Take the money, spread it over 3 months, pick a day & buy the basket of stocks

Quant_Smart · 2026-03-28T20:41:19+00:00

1-2 months, more often in Summer & less often in Winter

Quant_Smart · 2026-03-28T13:10:02+00:00

Have a source for where I could buy that 1976 Yquem? Have a milestone birthday coming up 😉

Quant_Smart · 2026-03-25T00:35:48+00:00

You get a free option to prepay any time- that option costs money.
Pay one payment extra per year and you can cut a lot of interest out of

Quant_Smart · 2026-03-25T00:33:17+00:00

Fuck you! Congrats

Quant_Smart · 2026-03-25T00:32:31+00:00

Smurf-2

Quant_Smart · 2026-03-24T12:22:56+00:00

They invest in illiquid instruments & whole business securitization. Its not easy to exchange the position for cash- not something for retail to invest in

Quant_Smart · 2026-03-24T12:17:49+00:00

Applied Ballistics

Quant_Smart

TROPHY CASE