“then when the 10 years is up you should be able to make up the %30 increase per month.”
sounds to me like you “should” replace the word “should” with “might” on a regular basis.
Edit: Let me try to modify this so I don’t sound so mean.
Being able to afford a house,short of being ripped off by a lender is not about the loan. It’s about buying really being the best economic option including compared to renting and having an almost bullet proof safety net.Yes there are exceptions to everything.