[samuel]

Hey Nathan,
I personally think they are too much of a risk but I'm a bit conservative on these kinds of things. You never know what the market will be like in 5 years when you are forced to either refinance or sell. From my experience, people sometimes use this type of financing to purchase a home that is actually beyond their means. They feel that since the payment is lower they can buy more home. In the end if you're not careful it could cause you more problems than it's worth!
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