If you want to "save" $1 Million, then (at current bank savings account interest rates) your income over that saving period must be $1 Million IN EXCESS of your day-to-day needs.

The main contention was whether a lender will consider excessive availability of revolving credit (large open credit card limits) as a negative in calculating your ability to pay or DTI. 

Of course the padding and carpet have absorbed it, but on pressing dry towels to it, I am pulling some moisture out.Do I let that air dry, put a fan on it, aim a space heater at it, pull the carpet and pad back, what?

The seller would be entitled to excess proceeds of 1/2 and the heirs would get the other half.

Points are pre-paid interest and are amortized over the loan term.Check with your state to see if there are any usury laws applicable to your type of lending.15 points would be excessive in most situations IMO.

A home is a necessity and not having a home doesn't eliminate monthly expense of housing.My RE brokerage was having to lease space so we decided to purchase a office building with excess space.

That seems excessive!

When you seek to gain and perhaps gain excessively you have to prove it.

Even while making excess payments on student loans, I have been able to wrack up 15-20k on the side as a cushion for worst-case scenario in life.Now I am at a crossroads, do I want to dump most of that cushion into my student loans or should I invest in RE?

Or you can move to larger commercial properties with your excess cash as a down payment.