Hi Catherine,Welcome a board to Bigger Pockets, it's a great place to learn and Network with like minded investors. 

I'm kidding.

This maximum rate is determined by adding 2.50 percentage points to the yield rate on long-term government bonds as published by the Federal Reserve Board or the United States Treasury, or both.

or ways to reduce our expenses on mortgage every month. we both make about $105k each yearly. but with us planning to have kids in the future, she may stop working.Any advise is appreciated THANK YOU!!!

That is totally above board and good to go -  Best of luck!

What exactly would make a city board approve non-affordable (i.e. not Section 8)  apartments?

Competence - My best friend is awesome and I'd give him my kids if I got hit by a bus but I won't let him operate on my brain.

The November 2024 report from the Austin Board of REALTORS® shows stable housing prices in the Austin metro as we approach end of year.

When I was a kid my dad hauled me around with him for years doing his RE sales calls and meetings with his RE attorney.

College used to be a lot more affordable, I studied in Europe (where college is free) and it blows my mind to see kids with 200k student loan debt trying to get ahead on a 50k job.The housing market has started to drift apart geographically.