It is also dangerous when we try to rationalize away something a candidate says by saying, "it would never pass congress".

It sounds like doing the 30 year refi (cash out or not) is the smartest thing to get my current primary payment the lowest so that I'll have the most cash flow and better DTI ration.

Try to remember that she's probably feeling embarrassed and may not be thinking completely rationally, so proceed with caution. 

The rule of thumb in investing is that you shouldn't time the market and in reality, you almost can never time the market as investment sometimes is not about rationality; it could be a game where random variables appear all of a sudden.

My point isn't whether you are average or not, but rather just be careful that you are not rationalizing your decisions. 

But Trump won't, and by the time the individual governors do, it will be too late.We're going to have our hospital system collapsing in about 3-4 weeks, with rationing of ventilators according to patient age and risk factors. 

To me, it sounds like a rationalization combined with nothing more than a transfer of the problem. 

If you can't find good deals, ...make them...and I don't mean rationalize a bad deal into a good one.

750+ credit score 2% DTI ration 20k possible to put down 60k annual income thank you in advance 

My post was a bit heated, but, I did my best to be rational, articulate and not offensive, so, it kind of irked me when I got the notice of removal.Thanks again for replying and clearing that up for me.