How to Get a Lower Mortgage Rate and Lower Down Payment

Joel, on that very first purchase, you essentially saved and scrimped and worked extra jobs for about two and a half years to save up this down payment. That should give great hope to people out there that like, wow, okay, housing costs are my biggest expense. But look at what Joel did on a fairly low salary. Like to me, that is astounding. Now, talking through, okay, where do you go from there? So this first one was owner occupied. You had a roommate and you're saving up for the next two years to buy that second house. Where do you personally go? Did you continue living in that first one? Did you move into the next