Spyke

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What’s your “I can’t believe other people don’t do this” hack?

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People don't do this because it's not a good idea for almost everyone. If you don't put money down, your monthly payment will be astronomical, and THEN you will have to pay PMI on top of that (which isn't applied to the mortgage OR interest) until you hit 20% paid. That money is thrown away and depending on where you live, it can be close to a rent payment on its own, without the actual mortgage payment. If you can afford a massive mortgage with PMI, you can afford to save a down payment. The only time I would do what you suggest is if my income was way more than rent and I was in a rush to move into a house.

Fannie and Freddie are legit, use them!

climate

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Air quality across the Eastern US & Canada right now

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I understand the naysayers' point but a functioning EPA would work WITH Canada. We could, you know, be a good neighbor. Together both nations could help predict fires, track them, respond together, etc. The current environment of aggression is not the only possible course of action. Unfortunately, there is no hope in that changing this moment.