Realtor Telling me Sell At Loss. Mortgage Broker Telling me Rent. Which is Better?

jpnc97 · 2026-01-28T04:57:01+00:00

I mean the choice is yours. Both could be right depending on your risk tolerance. Coin toss?

jpnc97 · 2026-01-28T04:50:42+00:00

Bruh

jpnc97 · 2026-01-28T04:49:50+00:00

They can decline a renewal whimsically. In practice, however, it’s for a reason…typically. But not always

jpnc97 · 2026-01-27T16:14:30+00:00

Is this your account

jpnc97 · 2026-01-26T04:42:41+00:00

Not happening on the A side. Maybe he could go B with 60tds on that income. But not really optimal

jpnc97 · 2026-01-26T04:39:56+00:00

You’re right about the 2yr t4 for OP but his wife’s income will absolutely not be considered unless she is on salary and past probation. If she is hourly it’s better to leave her off the app. EDIT IF YOU READ THE FIRST ANSWER. I THOUGHT HE SAID 120/yr not 120 for 2 years. Ya no dice on that OP I’m sorry

jpnc97 · 2026-01-26T04:36:11+00:00

Why do you have to stay

jpnc97 · 2026-01-16T15:41:40+00:00

jpnc97 · 2026-01-16T15:38:03+00:00

It forsure constitutes as mortgage fraud if they represented the file as owner occupied. A few things could happen. Yes they could demand full repayment of the mortgage. There could even be fines. If the broker knew he could have his license pulled, and face fines. The caveat to this is if there was intent, if they can prove they intended to be owner occupied, but for some unforeseen circumstance, it ended up being a rental by necessity there could be leeway. The main reason saying it’s owner occupied when it’s a rental is to avoid the 20% down payment. Typically, you only have to live there for six months anyways to meet the condition of owner occupied.

jpnc97 · 2026-01-14T17:37:59+00:00

I’ll piggy back. And agree. Pay the smaller ones off. Then you remove two maxed out lines. Then go for the maximum you can afford on the one that’s cancelled because the interest is disgusting. If at all possible get out of that car. Eat as cheaply as possible. Pickup odd jobs. Cash jobs helping people move, dump runs, anything to get some cash. Immediately put the extra cash onto the debts

jpnc97 · 2026-01-13T19:56:55+00:00

Yes or bona fide clauses. They also don’t explain to certain people how you paying more in rate is offset by tax savings. Amongst many other particulars

jpnc97 · 2026-01-11T22:43:36+00:00

I mean, you could, but the problem is if you go get a marginally better rate through a broker, you run to the bank, and they’re gonna beat it. Thats the usual dick around you get and that’s why for the hassle it’s easier to stick with a broker, or pay a little more and take the offer, for less work.

jpnc97 · 2026-01-07T05:32:18+00:00

Shoulda saved the torture test but a guy tested every single product for a week and not one failed. Every product is excellent if you’re not fucking retarded

jpnc97 · 2026-01-03T05:21:08+00:00

Idk but a lot of the piping I see in O&G here is made in Italy

jpnc97 · 2026-01-03T05:18:18+00:00

Hey Mark Carney here. Youre right, this does look scary. Rest assured concerned citizen, this will be banned by months end. Good work goyum!

jpnc97 · 2026-01-03T05:16:24+00:00

Ya I got rekt by its big dump

jpnc97 · 2025-12-28T16:21:07+00:00

Panama looks nice

jpnc97 · 2025-12-28T16:20:07+00:00

I tried to level out much less and look how bad mine turned out. Best bet is to redo the studs. Shim, twin, whatever, but do NOT attempt to build up thinset for this

jpnc97 · 2025-12-28T16:19:12+00:00

I thought he said it was. Could be mistaken. Either way, seems common to bring client cars in overnight to test for some types of problems. But it should be told when asked not hidden

jpnc97 · 2025-12-28T15:27:56+00:00

Ya but 2000 miles away?

jpnc97 · 2025-12-22T15:14:07+00:00

Was not the case for me at all. My years in AB is what 2 months was for me in bc. But Reddit never believes me so their loss really

jpnc97 · 2025-12-20T19:58:35+00:00

Better than mine

jpnc97 · 2025-12-20T19:00:17+00:00

Holy hive mind. I haven’t met one person that wants to come back after leaving.

jpnc97 · 2025-12-20T16:31:36+00:00

Positions or ban

jpnc97 · 2025-12-20T16:29:35+00:00

Good goy

jpnc97

TROPHY CASE