ARTICLE REQUIRES SUBSTANTIAL REVISION DUE TO JURISDICTION MISMATCH

The core factual problem is that this article describes Canadian mortgage stress testing (OSFI Guideline B-20, 5.25% floor, mandatory 2% buffer) as though it applies to the United States. For a US-focused platform, this is a critical error.

RECOMMENDED ACTION:

1. Rewrite the opening section to clearly state whether this article covers US, Canadian, or both mortgages.
2. If US-only: Replace all references to OSFI, the 5.25% floor, and the mandatory 2% buffer with US Fannie Mae/Freddie Mac underwriting standards, which use debt-to-income stress scenarios but NOT a uniform 2% buffer or floor rate.
3. If both markets: Create separate, clearly labeled sections for each jurisdiction.
4. Replace 'kills' in Key Takeaways with 'eliminates' or 'significantly reduces'.
5. Rewrite the Variable Rate section to remove the implication that variable is comparatively 'better' — present it as having 'different stress test treatment' without valuation.

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I cannot provide a full revised article because the jurisdictional scope must be clarified by editorial leadership first. The math in the worked examples is sound, but it is only valid for Canadian mortgages under OSFI rules, not US mortgages.