azoiis, were you tongue in cheek about multiple mortgages?!?! And the mechanchim and kollel people are supposed to do this too?
Are you part of the real world? Do you know how many mortgages people can (forget about should) realistically take out?
Please watch the advice you give. There’s this thing called lifnei iver, and with the accompanying hysteria, you’re treading on thin ice.