The concept of "Boommates" would be an effective solution for many facing economic and social challenges.Sharing housing can benefit individuals and society by making better use of existing homes and creating supportive living environments.

Both have difficulty cash flowing positive in this real estate environment.  

This makes the strategy viable for managing a due-on-sale clause, as it effectively keeps the transaction off the lender's radar, delaying or avoiding the clause's enforcement.While this method can solve the due-on-sale clause issue, it does come with a calculated risk—primarily depending on the trustworthiness of the seller and the specific legal environment.

Pre-payment penalties can be very costly in a dropping interest rate environment.

A bank will not go above 75% typically so you have no ability to borrower or maybe get out $20kIn this environment with high prices and rates - I personally don’t think it makes sense to borrower for a down payment as you are just over leveraging with multiple sources of loans.

Round Rock is a popular choice due to its proximity to tech companies and good schools, while Pflugerville offers a quiet suburban environment.

I do like 2/1 buydowns in declining interest rate environments like we are in today, as it buys you time to wait for interest rates to drop.

Sergy there is a good swath of born and raised Americans that have never been out of their state or really the city they live in.. so your right they only know what they know given their environment..  

There is certainly an uptick in scrutiny against fraud and with valuations for refinances (esp. cash-out) in the current environment

I think the main drawback is being on a Prepayment Penalty in a rate decreasing environment.