That bothers me so much, because I really like to KNOW exactly what I’m committing to...I agree that all children TRULY need is love, but both my mom and my husband’s mom have already passed away (fairly young both from cancer), so we’re both acutely aware that time is always precious and no one knows what the future brings, so we’re all about love-filled, family adventures and giving our son real-world experiences while we’re all young and healthy, and can truly experience everything this world/life have to offer (instead of assuming we’ll have time later and then it doesn’t happen).

That is a healthy loss to take when someone also needs money to get into a new place to live at the same time.

Hope you have extra folding chairs.We are on a special diet called Keto, so we can only eat healthy high fat foods, avocados, fresh farm eggs, grass fed beef etc. no carbs, nothing high in sugar like fruit, or anything processed.

My credit score is around 700, I have less than 10k in debt and have a healthy paycheck as a freelance photographer.

Smith -  It may come down to the occupancy level (owners vs renters) in your particular complex, and the state of the HOA (do they have healthy reserves).  

To echo the comments here, if in your personal name, good credit, and a healthy down payment, you should have fixed options rather than simply portfolio or ARM products. 

We also have a healthy personal savings, 401Ks, etc., but I'd rather leave those alone. 

We both have full time jobs & i have a Detailing business, our goal is to be able to leave our "m-f" jobs and live a happier, healthy and more financially free life.

I have above 700 credit and a healthy income as a freelance photographer and almost no debt.

You need to review the PM contract to find out.Moving forward, it is wise to have healthy reserves for capital improvements.