So, if you happen to have (or be open to having) a Chase account then it could be a wining route!

., wine country. 3% unemployment, buyers market right now. 

We then sold said 80 acre to someone who wanted to build their dream home and have a ranch in the wine country of Oregon.. 

It’s free; there is free food and drinks (beer and wine even).

I will never be a multi millionaire from my investments but over a long time I have done well And if the big bad wolf comes knocking at my door I can let him come and share a glass of wine and send him on his way.

But I guess my point is, comparing FHA 3.5% down to Conv 20% is a bit extreme, that's like asking "do I have zero beers, or do I drink 3 bottles of wine and go to the emergency room?"

We’ve used local hand soap, cheeses, chocolate, small bottles of wine.

They tend to stain and absorbs things such as wine and grease extremely quick.

In my experience, other residents do 'tiptoe' around you at first as homeowner, but once you share a couple of beers or bottle of wine together, everyone is friends and community is formed. 

You’ll be sipping toilet wine with bubba on the front porch !