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 !

My 0.02 cents is that the bathroom with the kitchen-esque cabinet with the wine rack (?!)

You wouldn’t put in an island, wine cooler and sauna on a $75,000 house in a D area.

@Nicolas SerioI'd start by making some very specific goals.