I live in Palo Alto in a broken down home but there was a step-up in home value when I bought the house and guess what? Turbo says that I am so healthy, I only pay 10% monthly in debt service on my home. Did you guys think to also consider my property taxes? I pay 17% monthly including property taxes! I think you should look at the bigger picture (and not just the standard things that drive the bank loan-making business ...)
