If a person is 20 years old, and their life expectancy is another 60 years, then that $600/year adds up to a whopping $36,000,...total. 

I did it at 22 and it's completely changed my life.

FHA loans taken out after 2013 with only 5% down cannot drop MIP for the life of the loan.

My approach is one of careful research, strategic planning, and a willingness to adapt as I grow in this exciting new chapter of my life.

However, the lower payments give you flexibility in case a major life event stresses your finances and/or monthly cashflow. 

I’d recommend reaching out to a local architect or design-build firm who has experience with both home additions and ADU construction to help bring your vision to life.

What are the best sources for atractive durable furnishings that minimize life cycle cost.2. 

Any recommendations for institutions that can extend a line of credit backed by a whole life policy?  

My favorite book and the one that got me started was Set For Life by Scott Trench (a Bigger Pockets book).Also, if you are in the position to do so, house hacking is a great way to get started! 

Someone that can come in with high % equity (maybe 1031) it would be great long term and short term cash flow with a lower loan amount.I’m in the realm where I can afford it not a big enough dent where my life is being changed at all really.