You may or may not make a little less money, but your happiness and comfort are really also part of the equation.

REI today attracts a lot of people who really believe they can reduce all the business's problems and challenges to equations and algorithms.

Just pure dollars, With the savings of 1330/month but the loss of 2 hours per day that equates to about $30/hour.

This can allow you to acquire a property with no credit and removes the bank from the equation.

Overall this should equate to less of your money going into the deal, which allows you to leverage and have more reserves. 3.

The management of vacation or short term rentals tends to gravitate toward the active business side of the equation and that is the real problem with you taking on that level of involvement for your IRA or 401k.

It would not take much of an innocent human error (overlooking some roffing/plumbing/electric problem) to eat that up quick.Taking appreciation out of the equation (cause that is educated speculatiin and I do not know your market), I dont thinking tying up the down payment is worth it.

Capitalism works in such a way that individual initiative and desire to put capital at risk is what drives things forward, and many of the really beautiful buildings in Oakland (to me) appear run down because that equation has broken down.

This will equate to 83k in “free” housing stipend.When I vacate I will lease long or short term.  

Comment on what star neighborhoods you bought your property on, and how do you feel it would equate to the traditional A-F model?