Something else I could use extra eyes on, housing. We have been renting for years from a Navy guy. Our lease is up in May. He may be about to retire and move away, or get a new assignment, that might move him elsewhere. He's got like 5 kids, with 2-3 still to go to college, so he wants to sell in any case that has him leave the area. We've been very stable, and he's been very responsive, for going on 7ish years at this point. It would be great to get a couple more year here, as we'd definitely be in a place to buy with more money down, but if it doesn't happen, we'll be ok. Here's the thing though. Starter homes in the area I live start around 550K. Rents are around 2400-2600+. We might be able to get 3.5% down on a townhouse (350-400k) before May. Current commute, 20-30 minutes each way. There could be options for manufactured homes for at most, 180K. The are we live is optimal due to services for my kid and literally any other area would add at least 30 minutes to commute. Anyone have any experience, or research, into manufactured homes? Quick calcs on a 30 year loan, or even 15 for that matter, are cheaper than rent here, though I guess lot rental could easily make it close. Logically, it seems to me that even if the market tanks when we want to move, we could still rent it out or stay put. Basically, there's at least a chance to make some cash for the next, "real" house, as opposed to continuing to rent. IS that crazy for some reason? What don;t I know? Didn't @taket go into real estate, if he's still around?