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Buying a property is one of the biggest commitments one could make, be it for residential purposes or for investment purposes.  You want to make sure you are making the right decision before you go ahead.  If you approach a loan officer with good credit rating, then whether purchasing that property is beneficial for you or not rest assured that loan officer will convince you to go ahead, because to him you are an increase to the bank’s bottom line, a higher bonus for him at the end of the year.  So instead of letting that bank officer make the decision for you, make your own decision away from temptation and misleading arguments.  You can assess all your risks by using the mortgage payment calculator; you can play around with the numbers, create different scenarios and see what is best for you. Once you have made up your mind and understood all the aspects, you will find yourself more equipped to negotiate with the bank officer and maybe even get a better deal.