you're being a clown. He's obviously not advocating for the dealer or minimizing what the dealer is doing or any other nonsensical phrases you keep spewing, he's just clarifying the facts since it's obviously misleading to say they have "100 lb's of fent". Nobody is defending, advocating for, or minimizing what the dealer is doing. just stop..

yes, and the market has cooled off substantially you have so much more negotiating power as a buyer then I did at time of purchase

but i'm literally in dedham

I know, that's why I literally said "my payment would be a lot worse today at market rate". Your own calculations being you to 36-3800, that's a far cry from 5-6k op is talking about. Which was exactly my point.

$500-550k range, 1930s house that needed decent work

interesting, where do you get the impression this sub is predominantly north of Boston? I've never heard or noticed that before. And if that's the case, why are literally none of the other top responses (Roslindale, Hyde Park, Lexington, Needham) on the north shore? your assertion doesn't really hold up at all

Considering Dedham quie literally a "boston adjacent suburb" as well as adjacent to Needham, i'm not sure how OP couldn't be referring to Dedham.

I'm curious where OP got $5000/mo figure from, i'm in a 1600sf 3bd in dedham and it's abot $2800/mo... I know my payment would be a lot worse at market rate (bought summer '21) but I still don't see anywhere near 5k/month