Unless the borrower is self employed and takes a lot of expenses to show lower income on their returns then it usually makes sense to pay a couple thousand a year in higher interest (you can pay like 4,000 a year in additional interest for DSCR if you are saving 30+k on your tax bill kind of math lol)

Personal finance is as much behavioral as it is math.

You just have to make sure you get your math right.

Geez, I'm just trying to get a second look at my math for the current situation.

You take English, Math, Science, etc... 

Sometimes I have to show clients the math for them to get comfortable with it. 

Low and behold, now they want us to put down another $40,000; the seller wants another $5,000 added to EM and seller's agent wants their commission of $4,000.Do the math: 190,000 + 15,000 + 25,000 + 4,000 + 4,000 (our agent) + 40,000 = $278,000 for a fixer upper.

Any semi-intelligent agent is going to do the math and want to cover their expenses.

Also listen to them if it is difficult to get financing...they're telling you that your math may be off.

You need to do the math on this.