Can you wire the excess to me?"  

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. 

I am self employed and as most do, I reduce my income as much as legally possible to avoid paying excess taxes.  

I started at Loopnet, but at $244/month, it seems a bit excessive, and nothing there really impressed me.

At some point in time the water pipes broke and now there is excessive mold.  

All excess rental revenue currently goes to pay this down and I advance it as needed to pay for repairs, acquisitions,  improvements, taxes, insurance etc.  

When oil prices drop coal prices drop as power plants switch over the the cheaper fuel. 

However, we are considering a modest place that fits our needs, but not excessively so.

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.