The waiving of your Impounds or escrows is merely a personal preference on how you would like to pay your property taxes and insurance it has no bearing on DTI or income purposes.

Reality is merely an illusion, albeit a very persistent one."  

@John Thedford is not an attorney and even if he was what he puts out online is merely his INTERPRETATION OF WHAT THE LAW MEANS. 

The three that are left are all now bidding at north of $200,000 so I am merely a spectator on those now.

The latter is merely an undeveloped piece of land in a residential neighborhood.

Surely the gurus don't expect a semi-intelligent person to believe these accounts weren't made up merely for such responses. 

"Life is not worth living if we exercise our profession only for the sake of material success and do not find in our calling an inner necessity and a meaning that transcends the mere earning of money, a meaning that gives our life dignity and strength."

@Shiloh Lundahl$1 million is not merely enough to be wealthy or allow you to retire and live comfortably.

Ask yourself "what am I doing", and realize that not only are you being willfully ignorant, but you are expending your energy trying to detract from what is supposed to be an productive and solutions-oriented discussion.Denying the existence of discriminatory economic policy based off of mere conjecture or your own personal experience of struggle is a fool's errand.

If you 1031 from housing market hat has $1000 PSF to a mere $250 PSF, is this what you want ?