Comment by JumpCrisscross

> This customer is an otherwise normal-ish buyer who wants a fix and flip

Are you referring to chrisBob? They aren’t the ones who made the “ragged edge” comment.

If you’re on the ragged edge of any financial product, you’re stretching something. If a customer is buying well within their means, they shouldn’t be pursuing—nor getting sold—a ragged edge product.

If, on the other hand, you’re doing a new build that isn’t optimized for resale, yeah, you may very well need to be on the ragged edge of a financial product. But I’d still evaluate that with scepticism if you aren’t financially stretching.

> they outnumber people who have any relevance to a "mortgage specialist with a wealth management arm"

Most home buyers don’t buy below their means. (They buy at or a bit above.)

Most home buyers should not be buying niche financial products, or optimising to be within tolerances of specific financial products.