Thank You @Anthony Dooley this is what i was leaning more towards as I think about it more.

I wouldn't lean to heavily on the % rules they are just guidelines. 

You give them your Arm, they devour your entire body.  

I’m all new to this and I’m leaning towards an owner occupied unit to start with.

The other guy (much more handsome sexy, with beautiful curly flowing hair...) he leans against a palm tree, cracks open a coconut and get out a coconut tree worm.. munches on the rest and sips the water and says "aaahhhhhh" remember those old Coca Cola commercials right before the movie starts?

If there is no fence and one owner wants one, the courst will even order shared cost or if an old fence becomes a hazard (e.g. leaning and ready to fall), boths sides pay for repair / replacement.

And yes I'm not leaning more towards free and clear.

I’m leaning latter. 

The last thing I want to portray is "low-income housing" I'm starting to lean more towards "Handel Homes" because it sounds more "upscale" compared to housing.

standing over my dads casket looking down at his body ,realizing that someday that will be me ..dying broke without enough money in my savings to even cover my own funeral .