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two big ways that loans blow up yes this is the the behind the scenes reasons that loans blow up so i talked to cj on my team cj is a magical mystical man creature that makes sure that every single loan in my life as soon as it goes to processing it magically closes with as little drama as possible that is always our goal and hes the one where if stuff pops up hes dealing with it if its like you know this wild crazy stuff that were about to talk about now the reason im bringing this up to you guys is because its not intentional you know as a buyer as a consumer the stuff that you guys think isnt a big deal in our world is right so im going to give you an example lets say that you own multiple properties okay and youre like well i dont have loans on any of them like i just want a loan on this one why would you even care like they dont have loans why do you care well the reason we care is that part of your debt to income calculation is including the property taxes and insuran