There are definitely some anomalies like randy moss . How many deep ball plays have we seen over the years where if randy was underneath them you know for sure he would of taken it to the house . <| sep |> I can practically guarantee you that Fedex is not going to go under in 6 months or probably ever . I have only had the house a few months but I have lived alone for two years and have an Idea of bills and I have don ' t estimates of new bills based how much I will use them . As for repairs , I have a great home warranty . I understand your concern and it is appreciated but I have done the math and the research to see that an extra $ 30 , $ 100 , or even $ 250 a month based on the length of the loan would not hurt me very much .