We look for what we call the "holy trinity".

She taught him to respond to the "holy crap you're a BABY!"

I feel like 20-something y/o's are being dupped into it as well, and want to avoid that regret of throwing money in there just because every traditional W-2 employee thinks it's the holy grail for retirement.The reason why I leaned towards not using their plan is:- I plan on retiring by 40 and imagine there's a big penalty for taking money out before 60.

Time for a divorce and to marry up to someone who knows what they are doing.However, the Fannie and Freddie guideline for a 4-unit cash out refi is 70% LTV max, so that part is correct.No need for commercial if you're good with a $490K loan amount if it appraises for $700K.And don't pay points unless you aren't going to sell or refinance again for at least 6-7 years or more.And find a new loan officer, for the love of all things holy. 

Holy hell, what a wild ride!

From there, find a good agent and please, for the love of all that is holy, DON'T USE ZILLOW!

's   The Holy Grail Blog posts, I believe it's the best thing I can do with my money right now.

She never asked me why I needed all the condoms, but this was upstate New York in the 90s and oh man, the holy roller disapproval on her face when she saw me walk in so often...Which brings back a great joke:So during the Cold War, this Russian KGB guy goes to France and spends a week working in the embassy.

@Boris Portnov Holy cow, I try to stay up on these changes, but I missed this one.

Thanks, and, Holy smoke, yes on the lessons learned part.