(when the rates go down) is only putting 10% down for an apt a horrible idea? i just don’t want to deplete my savings but am definitely ok for monthly payments

Posting as :
works at
You are currently posting as works at

^^ The above is great advice. Outside of what’s already been said, I’d think about the monthly payment. When I bought my place I ultimately decided on a larger down payment bc the rate I got was phenomenal and the lower monthly payment gave me more peace of mind. Sometimes you need to think about the personal side of being shackled to a monthly payment and what you’re comfortable with. Last piece of advice would be to use me as your RE agent 😜


not going to look for at least a few more months but will def keep you in mind :)


Not at all. If you can make more money on a down payment than you’re paying in interest, that’s a smart move.


If you mean a condo, some require a 25% down payment and banks will require it if the association does not have sufficient reserves. Also, putting down less than 20% requires paying for PMI. However, when I was considering buying, I didn't have the savings to put more than 10% down, so it's definitely possible and not awful. I ultimately gave up and decided to keep saving until I have a bigger down payment.

HOA reserves are an important this to look at as well. Great call out AA1. If I'm not mistaken your RE agent should be able to get these documents for you.

I put down only 10% and it worked out for me.

More Posts

Hi Folks,
How much appraisal I can expect every year in Vodafone Shared
Services. How Centre of
Excellence(COE) team works here. I recently got an offer for AWS developer team. Someone please guide me.


I’m a biomedical equipment technician how much do Michigan pays

How long till the dip stops? Wondering if i should buy or wait for it to dip more 🤔


Are there companies in the US who are recruiting H1B's for insurance consulting opportunities? It is proving to be a challenge switcing with many companies not keen on H1 despite having openings.

What’s the right way to resign from a job, especially during a pandemic?


What was your bonus % this year?


Best iPad for work integration (litigation) relevant in Australia, particularly for ready case law on the go, meetings, court minutes…Go!


Hi fishies- can I get likes so I can dm people? Appreciate it 💓


How do I unlock DMs? And how can one ask questions on other bowls? Thanks for your help everyone I really appreciate it :)


Creative 1: “You should watch this. We’re gonna ice Rachel cause it’s her last day.”

Creative 2: “Like, have her deported?"


Has anyone dated a guy who is unreasonably frugal? My bf makes 800K a year at age 29 but insists on eating out at fast food restaurants, rarely buys gifts for me, living in a studio apartment, staying at 3 star hotels, flying economy, etc.


If you’re in a position of leadership, how are you addressing or acknowledging hate crimes with your team(s)?


Hi all we have openings for below positions. DM me if you are interested.

Post Photo

How do I get the previous resident of my apartment to stop sending packages here? They sent multiple things here over the last year. At first I was nice and found her on social media and contacted her. Now apparently she sent a package here and she’s threatening to sue me bc she thinks i stole it.


What’s the best exit after FDD in terms of salary ? High salary jobs basically (I’m in HCOL)


What are the exit opportunities from EY Parthenon.

YoE: 8 years
Role: Corporate Strategy
Fixed: 26 L

How much hike can one expect?


Is it even possible to get HSW with a low GPA (3.3-3.5 range) if you’re an ORM guy? Even if you went to top 20 undergrad, top GMAT (780-800), good work experience (top consulting firms+FAANG)?


Is anyone in her a bit further south? I'm in Orange County (but, of course, there isn't a bowl for OC). I moved here in October, and I wfh so no opportunity to meet anyone in the office. Thanks to the pandemic, I haven't really met anyone outside of work either. 39/f with a partner, cats, and way too much time alone.


Additional Posts in The Miami Bowl

Anyone doing anything fun for Basel and wants to invite lol


Hi fishes🙌🏻 looking for a 1 or 2 bedroom to rent for 1 month (about nov 23 to dec23) - please dm me if you’re looking to sublet your space or if you have any leads! Appreciate it👏🏻


How many of you all are in tech sales?

I'm a military veteran and a recent graduate. I will be relocating from Atlanta and starting my new position in August. I am looking for a studio or one bedroom in Brickell or Downtown (possibly Little Havana or immediate surrounding areas as well), since I will be working Downtown. If anyone knows of any places leasing for $2,300 or less please let me know. It's been tough for me to find anything - I am not considering roomates.

TC 105k: $80k base and $25k from other sources.


For all the nerds and anime watches in South Florida, there will be a mini convention this Saturday at the Miami Airport convention center. The major one in south Florida is Super Con which will be July 2023

Post Photo

Hello everyone, I've been in pharma for a year and a half and I'm looking to make the switch into consulting (eg.ZS, PwC,EY) is it possible anyone can refer me please.


Any moderate tennis players here (can pass back and forth) down to play tomorrow at 10 am?


Any Art Basel events you all know about yet? Hoping to plan early this year lol


Does anyone know any good vegan friendly Asain spots? TIA

Trying to buy a house in Boca but there’s nothing great on the market under $1.5M. Thought the housing market was supposed to be cooling off! Anyone else shopping for a home having better luck?


Anyone know a good place to party this weekend for Halloween? New to Miami and want to see if there’s somewhere that’s not crazy expensive but also a lot of fun.


Anyone want to swap Airbnb style their miami /Miami Beach place for my 17th floor chelsea doorman building near the highline ? Looking to do an upcoming weekend soon


Anyone part of social clubs like soho house etc? Has anyone heard or experienced being a member at “the standard”?

(New to town and remote worker so looking for other ways to connect and network - open to suggestions)


Is it normal for a gallery to charge artists 150$ fee to exhibit work during art basel week?


Does anyone from the northeast regret moving to Miami? I’m from NYC. Mid 30’s, single. Don’t know anyone in Florida except for 1 friend in Orlando. Trying to get a gauge of how things are down there before I move.


For those who work remote in tech sales, any good coworking spaces you recommend? Debating WeWork in Brickell or Wynwood but not sure the price tag is worth it. But also need to get out and about during the week stattt before I lose my mind


New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here


Embed this post

Copy and paste embed code on your site


Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone


Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or