He never fessed up to it (though his demeanor got very suspicious when I nodded him on it), but I’m almost certain, that he googled the problem,saw some Reddit comment that suggested tightening the two anchor screws and he went ahead and ended up over tightening and cracking the toilet. 

Besides ROI, which has been the main focus, its up to you to decide if the strategy fits into your lifestyle and gets you closer to your long term goals or not.I agree with @Melanie Dupuis in that it will be the mortgage brokers job to present an attractive case to several lenders and get you the best product.With my original comment, no, I did not imply that if something doesn't meet 1% rule it is always still a good investment.

Sorry Greg I got in trouble for trying to contact you and they deleted my comment.

I was wondering if you agree with my agent's comments? 

I liked your comment about the future of our relationship is dependent on my reaction.

Any comments?

Any comments/thoughts or advice would be greatly appreciated. 

Thanks for the commenting it’s a pleasure getting acquainted with you guys.

Sure, some may comment that one is better than the other but keep in mind that is highly personal and has no bearing on what you may find more enjoyable and rewarding.  

To me over leveraged means you have big car notes  your CC are close to or are maxed out and your only making minimum payments you go buy furniture and you finance it.. you buy real estate with the least amount possible down at market prices.And your cash reserves would only last you a few months to service all the debt.So no retail debt pay cash for anything you consume or use  OTHER Than a vehicle and decent amount of TRUE equity in your real estate no FO equity IE refi appraisal but you know the home would never ever sell for that on the open market. bascially follow Dave Ramsy and @Steve Vaughan  over the years on BP has written some really good comments on how to build an empire while balancing family life and fiscal safety..