I disagree with using assumed appreciation to make up for returns that you could get right now.By doing this, you're giving up real income, for the promise of MAYBE something later... something that can only be realized upon sale or refi.  

@Ann Bellamy, who lends in your neck of the woods, used to be prolific here and will hopefully chime in.I strongly suggest you only loan locally and I disagree with your disagreement (Ha!)

I disagree with you about going away from mentors.

I would disagree with a couple of things.

But I did have time to read the first few lines and have to point out an area I disagree with you.Incremental increases may sound like a good idea, but I believe they are more likely to cause problems. 

I would disagree on the cost seg portion @Eamonn McElroy.

JillI disagree with this advice.  

I disagree with some of what was written here and above, @Medvin Bagh .  

I can't disagree with those comments one bit.

I disagree with @Frank Chin  I have seen lots of bathroom without tile halfway up the bathroom wall.