So lng as they realis it as a short term solution, and genrally the rate you revent to is higher than the norm, which offests the inital gain or saving.
However in saying that, and as your great work there shows, can help a FHB ovrt he first 8 months where they would be about 2k better off.
This I guess can mean a bit to the FHB.
Also can be used if you plan to buy, flip and sell where the exit fee is negated by the gain in sale price.
But yes they can be a trap and should be thouthg through first.
