I just bought a house, and honestly, dont even try to get a above 20% to knock off pmi (assuming thats a thing where you are). When we sold our previous house and did a recast with the proceeds, the difference between hitting 20% and hitting the 20% + $50k was about $200 in monthly payments

Not to mention mortgage rates are so damn high that your mortgage payment is basically like paying rent to the bank because you’re barely touching the principal on the loan

Im gonna guess, from your response, you have the most experience on the subject of anyone we will find in this thread.

We just moved to a house with over an acre and a creek that runs through the back yard and we have them all over the place right now.

My dog had never seen them before and i caught him this week trying to eat them. One would flash and he’d chomp towards it, then another would and he seemed confused on how it got over there so fast and hed chomp that direction. It was precious