Maybe, I have no idea when exactly he bought the condo and for how much (I'm sure some :autism: around here knows), but it's clear that Phil was busy saving up money to move to a house once he started making a lot of money from YouTube and the plan was to dump the condo for a profit/small loss when he moved. I kind of doubt he was making improper payments, he was probably just paying the minimum required since he wasn't sticking around long term. The value of the condo tanked since he bought it (housing crash, area turns to shit, etc.) and his plan to sell it backfired because it would only bring him more debt. He was dead set on moving and did it anyway, knowing the condo was a money pit. I'm wondering how much Phil's been paying every month, he might have pissed away thousands of dollars since he moved on the false hope of the condo increasing in value. Now he's stuck with the thing until he finally realizes it's a lost cause.
When it comes to Phil's finances, IMO he's telling the truth about the condo and exaggerating about everything else.
