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. 

There was an announcement of a federally funded "Promise Zone" there about a month ago, so that will hopefully fuel that.I'm an agent and investor in Indianapolis, and work with out of state investors, so I'm happy to answer any questions you have about investing in the city. 

He is in America and there is  freedom of speech and he is enttled to his opinion In all these, corporate decisions are not made on the alter of sentiments; there might be an initial sentimental impact on this business, (like some folks here clamoring to change the building in Toronto from "Trump Tower');  but you might be surprised, this might even fuel his business empire.He is a smart businessman and rightly knows his business will not descriminate bc it can get sued.

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?