It was meant to be more!

I meant Tacoma!

I’m confident you knew what I meant.

a) you can still add to the principal so you can "carve out" your principle payment , with and without pre-penaltyb) both product is still working towards your DTI Now the challenge is the following in case you dont want to add into principal: if your home doesnt have appreciation ---> then IO only product is goodif your forecast appreciation is less than 3% and interest rate is expensive and you plan to sell within 5 years --> then IO only product is good but if your forecast appreciation is greater than 6% and interest rate is cheap and you plan to keep the house more than 3-4 years ---> then better choose 10YARM/30YFRM Meant to say this loan product is useful when one is able to visualize the amortization payment and carve it out.For example, in 2013 I purchase SF for 500K.

Hi David,Just to clear up the misunderstanding, by "get title insurance," I meant pay for it.And, in fact, seven years ago when I made the original post in this thread, it mattered a lot which title company one used.

This is not meant to brag.

No offense meant. ;-)Now, if it's for the Iditarod, from Anchorage to Nome, that's a different matter."

I was hoping interest rates might start to melt-lower but alas, it was not meant to be.

Oh, primary house is in a flood zone and we had a major incident during IDA but our house was raised so meant to deal with floods so no damage but more a pain in the *** so concerned about dealing with that with renters or if more climate issues happen, could impact future value of the home.Would love any thoughts or ideas!

Don't hesitate to send me a private message, as the forums aren't meant for private conversations.