House-Poor Risk Checklist

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• ☐ Payment exceeds comfort target: ________________________________
• ☐ Little emergency cash after closing: ________________________________
• ☐ Utilities not budgeted: ________________________________
• ☐ Maintenance reserve ignored: ________________________________
• ☐ High back-end DTI: ________________________________
• ☐ No room for savings: ________________________________

Educational worksheet only. Verify actual mortgage, tax, insurance, HOA, and legal details with qualified professionals.