The 3% mortgage years were a product of the Federal Reserve artificially tampering with otherwise free-market bond sales. 

I have been separate for 12 years and am a civilian federal employee. 

In my opinion, given the uncertainty of our government and stubbornness of inflation waiting around is not your best course of action.I'd cash-out asap and get that money into a CD generating a boring 5.5%.

2) Each taxpayer has their own tax rates to consider - Federal and state tax rates.When determining state tax rates, they need to potentially calculate the state tax rate of the resident state and the state where the property is located in.

They're all working until at least age 60 and paying lots in federal taxes.

Low rates made some people a lot of money but also now that rates have normalized many are getting crushed in some investments.Right now rates need to stay near where they are and government needs to slow the printing press

In many areas some utilities are provided by a government entity and as such can become liens if unpaid.

Also, regarding the DNC list, I’ve read that since wholesalers are offering to buy something, this is not a prohibited activity according to the federal rules regarding the DNC list.

Unfortunately, Oregon has a 9.9% tax rate on capital gains in addition to the federal tax.

For example in Texas they probably pitch you can make 25-50% government guaranteed returns.