"I don’t want to make her angry"I understand the sentiment here and spent years trying to control this and even to this day will fall back into the trap thinking if we only say the right thing, if we only do the right thing then X will happen.  

Something sentimental, something nasty (divorce, death, bad partnership, ect.), the house could be nasty, really you have to find out why.

I totally agree with your sentiment, it is incredibly powerful to have a strong W2 so you are loanable in the eyes of the bank.

I agree with the sentiment above about this being for their optics and benefit and not really for any other practical reason-Questions like this are really hard to answer in the abstract and the answer is "it depends" on what you're doing. 

Pulte, from their last 10-K looking back on 2022 (highlight mine):However, the strength of new home demand rapidly declined starting in the second quarter of 2022 as the Federal Reserve increased benchmark interest rates in response to inflation, which, in turn, drove national mortgage and other interest rates higher, impacting home affordability and consumer sentiment.

I do agree with his implied sentiment on cash flow.

There's a great section in the BP podcast episode 309 that talks about direct mail marketing; the sentiment is that you should scale up and be consistent.

Point is, there is nuances many seem to be missing with there knee-jerk anti-PM sentiment.

And if Colorado Springs is any indication, even if they change the law back, those who got in while the law allowed it, will be grandfathered in, and I have heard similar sentiments from city planners in Arvada.

If I find something that has no value to me but might have sentimental value to the previous owner I usually try to deliver it somehow.