Then use the extra roommate rent income to pay down your mortgage and look to refi to a lower payment in the future (3-5 years) - so it cashflow when you move out.You could also choose the smaller unit and STR the other unit to generate more cash to pay down your mortgage and refi, so it cashflows when you move out.Bottom line: you'll have to get creative to solve your cashflow challenge!

And or thought people were taking advantage.

I realize people are trying to make a living, but anyone who cold calls me is the last person I'd use for any transaction (plus I have people for that!).  

Just curious why people think they should be in jail?

All else being equal, lower mortgage rates reduce the cost of ownership and, thereby, allow more people to afford to buy.

But I guess to answer your question, I find people who are going to foreclosure.

So I'm good at finding people.

Seems like a lot of people are recommended them here. 

Many people / and or agents really cant do simple math.

I think this can be easily solved by sticking to a few banks and building a relationship to get the better rate/fees.