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Sharing the user name would be inappropriate. That said, I've often considered starting a topic detailing some of the train wrecks I come across. Though this would be largely to proect the doe-eyed newbies, I suspect people would be surprised to see how often it the...

I know I've said this before but the borrowers (almost always investors..sometimes fresh from the seminar, sometimes with half a doz under their belts) most likely to squeal and deny personal accountability on the basis The Bank should never have lent them the money are always those who fudged...

Given how "generous" serviceability calculators are, I tend to take the fact that someone fails serviceability as an indicator that, on the balance of probabilities....you know... they probably can't service the loan. Sometimes one needs protecting from oneself.