If you have an ADU on your property, it's super easy to find out approximately how much you can take out through just a few clicks with only a soft credit pull...A side note: the founder of Figure.com Mike Cagney also founded Sofi and they got pretty some impressive investors.

I have successfully used Credit Karma in the past to keep track of this since it only does soft pulls on your credit meaning they do not do full on credit reports and thus perform hard inquiries.

If there is softness in the coming 2-5 years, I would need to be ok with having a mortgage under water.

It used to be a soft "legitimate want" litmus test that a tenant could not hope to follow up on without some serious legal help, which they can't afford.

Otherwise, in a soft and falling market, foreclosure could leave the seller with a home that can't be sold to cover all the costs.Negotiating the LoanAs with a conventional mortgage, seller financing is negotiable.

A craftsman style house in Wisconsin is going to have a very different color than a modern house in Miami.But without thinking too much into it, I think you are on the right track staying neutral, light colored, and soft.

Had been soft and had rented to two tenants who were also friends.

(It's a soft form of "confirmation bias:" They were already skeptical about the product--which is a good way to start--but then their suspicions were confirmed based on just that one opinion.

Our tenants wanted to stay and I got soft with that advice.

You can do a soft pull to see if you get the amount you want without taking a hard inquiry.