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Sludgeyy ,

What you’re saying

Say my mortgage is 1k a month.

I can’t afford 1k, so I let you move in and pay me “rent”

You pay me 1k each month.

After a year, I kick you out and move back in.

Where’d your 12k go?

Bank going to give 12k in cash to you and increase my mortgage by 12k?

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