the truth may not be what you want to hear or believe, but at some point you will get screwed over if you are not careful. let’s do some data science to really take the raw data and best frame what’s going on. we can tell you how much you can borrow, what costs and fees to expect and how much of a deposit you will need. and some of the people on the ground won't let the commission off the hook that easily. this is what’s working for me. research is about developing a pool of knowledge. 