For that you'll be safe.

then the why we do it so we can spend more time with family/kids.. then on and on.. these are tried and true techniques that have been used and taught for years and years. 

For some reason sometimes it's hard to get clients to complete them, but if a mortgage broker has 20-30-40 five star reviews..safe to say your experience will be as expected. 

And I started in the land business in 75 and my dad started in 65 its a fun bizz.. in our day the land was bought generally at tax sales.. its only in the last 20 years that these marketing techniques and the how to folks started educating the mass's..

I really see Columbus Ohio as an extremely safe bet for the next 10-20 years.

Also, you'll need an architect and engineer inspections to make sure the structure is safe. 

I do discount useful life and increase costs to be on safe side. 

Its a safe bet that you can make more than 3.75% on your money somewhere else with little to no risk. 

They usually take more work and/or finesse to install properly and safely in older buildings than you can reasonably ask the average handyman handyman to have.

It's completely safe and you should accept it.