Again, not everyone can afford a 20% lump sum. In fact, very very few can. Not to mention that a lump sum is from funds that you have saved up in order to do so. Once you make that lump sum, you can't draw those funds back without doing a refinance. By utilizing your monthly cash flow in the AIO, ALL of your income is impacting the principal amount, not just what you're able to save.
One of the key strategies is to use your credit card for essentially everything so you're keeping the principal amount at the lowest amount possible month-to-month. Pay off the credit card at the end of the month from your AIO, and repeat the next. Great way to earn points on a good rewards card as well!
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