You are sitting on a lot of equity and a 2.8% makes it tough to pull that out in addition to a huge HOA fee.

Deals will not just sit around out there I'm sure, but if you write offers that make sense for you and your family or get out of your comfort zone in some way there is a way. 

I recall a conversation with friends about passive income like real estate not being eligible for typical types of retirement plans.9.

If you were to put aside the money that would go to extra payments, what interest rates would you get on that (ie would it make more money sitting in a high yield savings account instead of paying down a low interest rate mortgage)? 

A huge fine could be sitting around the corner. 

Only one thing, it sits on a septic tank. 

The run down trap houses that used to be there including the lots maybe 30-45k in value, now there are 400-550k homes sitting in their place.

Won't you first sit down and estimate the cost to see if you have enough money to complete it?

I have been eyeing a property that is listed as a fairly new mobile home sitting on almost a full acre, checked out tax records etc and the land does belong to the seller.

But if you look at other global macro trends you see other things forming quicker and I won't get into that, but that doesn't mean this isn't coming.I'm very tempted for the first time ever to sit 100% cash and watch, I may do this as we enter first business week of June.