Thanks for the tip, Mr. How low will mortgage rates fall
with a September Fed rate cut? Here's what to know., er ah, Jackson! 
There's a difference between engaging a thread-jacker with related facts vs. being the person who should have started another thread before derailing the topic.
I responded to the OP with:
"If you can find a sane and responsible homeless person..."
Maybe I'm naive, but I think any sane, responsible person would tend to not be homeless.

and then had to defend my self from accusations that I'm making assumptions about homeless, calling them lazy and stupid,
"Typical boomer entitlement, talking down to people who were crushed by the policies that enriched your generation at the expense of everyone else."
Yeah, i got sucked into the personal attack, but i didn't have much else to do that day, so I engaged a troll.
You picked one post I made that was intended to counter the arguments made by the thread jacker. Please don't start attacking me here and becoming another thread jacker yourself.