Unless I'm wrong!Do

We have eaten hundreds of thousands of dollars in repair costs for no wrongdoing of our own.

And both are wrong. Do

I'm guessing my bank is wrong. Does

Please correct me if I am wrong. Do

If this is sitting for a year something is wrong. Do

You pretty much can't go wrong doing a house hack when the time is right, so I would try to make that a part of your journey early on here before life gets in the way (family, kids, obligations, etc). 

In the grand scheme of things, it doesn’t really matter since we’ll be getting married anyways, but just for peace of mind, or if something goes wrong, do you think it would be smarter to go with a HML so we are equally taking the risk financially?

I called hgim to speak about it verbally and when I did he became aggressive with me on the phone and denied any wrong doing.

If you are going to come on here and imply wrong doing, say what you are gonna say to give the man an opportunity to defend himself.