@Mark Page I'm in the same boat, except you have one more property than me ;>)Glad you asked because I have been pondering the same thing, and the answers/comments have been encouraging.

Now with more knowledge about investment opportunities, I can start pondering about HELOC to leverage...I would have invested in IUL or UL instead of 529 if I had known about the insurance products earlier.

@Irina Belkofer, maybe I'm too dumb to grasp some of these concepts, because that's exactly the type of scenario I ponder.

Finally, a story: once, years ago, early in my career, a young girl came to the office after her water had been turned off. 

This house you let get away sounds like a girl that's lots of fun for a few weeks, and then she gets ALL SORTS OF CRAZY ON YOU !!!!

The law presumes everyone is a big boy or big girl and can look after his/her/its own interest. 

You’ve given me a lot of things to ponder and some good, actionable information.

I am a husband and father to 3 beautiful girls and although the Army has treated us very well, I don't plan to retire from it (I did, however, just re-enlist for 5 more years and will be PCS'ing to Hawaii in February.)

Something to ponder though for increased utility.

My wife and I just had a baby girl, and I want so much more for her.