I am 65 years old, in excellent health ( go to YMCA 3 days a week walk 3 miles almost every day).

The lender, a dear friend has some health issues, and I wish to repay by refinancing.

I'm not familiar with the market in the area, but I lived there many years ago,  Is there a reason you're avoiding Saratoga, Ballston Spa, Milton & the nearby towns? 

How much are other people paying for health insurance, that is not provided by ones spouses job or job?

Additionally, while a precipitous fall in oil prices has had a negative impact on “oil patch” locations, it has effectively increased the spending power of the American consumer.While there are still concerns regarding the overall health of the economy, the current real estate lending environment remains active and strong as a whole.

Health care?

Whether for mental, physical, or spiritual health; I want to make sure that they will have happiness in their lives.

FHA approved appraiser must determine value for property and also do a health/safety inspection.  

Your health can get you anywhere and anything.  

I have been warned recently by a more experienced investor that it is critical to inspect for lead and asbestos during due diligence as there could be serious health, legal, and financial risks to not doing so?