. ;-)  Actually, all the progressive s**t didn't start until 2019. 

Here is a link to a post I did that might help you. https://www.biggerpockets.com/forums/12/topics/1108744-how-t...

Why would t they? 

T

Quote from @Tim Delaney: @Marty Boardman thanks for sharing - just to be clear you put all your expenses related to the house under one capital improvement account t (Wip) and do not bother breaking them down into categories like kitchen and flooring and paint, etc?

@Clayton SilvaI think you covered a lot of the angles - the answer is “it depends” - every person is in a different situation and stage of life and some may want to pay points and others maybe not.Right now I would not be buying down the loan knowing the fed will lower rates, which should slowly bring down the 10 year T which would then lower ratesFor me I would guess I would refi within next 3 years so I wouldn’t pay pointsIf I thought I was not gonna refi within 5-7 years then yes pay points

Hey @Natalia Davis,I would highly consider t bills.

Quote from @Aaron T.: Double check with the VA if you can assume a VA loan without a COE.

If you want to point the finger, we can blame the Fed for holding rates low for so long, and the govt for printing 5 T, making money real cheap and allowing these NY investors to over pay on the real estate.I guess you have to wait until the banks take these assets back.

Quote from @Henry T.: Isn't Buckeye a retirement community?