I myself didn't have any problem with the premium ad.

Personal background: Married with no kids, 100% debt free, live a rather tame lifestyle and don't spend large amounts of money, two newer vehicles (2020 & 2024) so no vehicle purchases expected for the next 10 years. 

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@Kasondra Milton- hi there ...thanks ...Raised in the fairport area ...live on west coast now ..last summer I had to return to Roch area to help with a family illness  situation ...I stayed in a AIRBNB that was close to Strong hospital for 3 weeks ...in my search for places - I must say I was surprised at the lack of options ( at least at that time ) ...that being said - I agree with your comment about the fact that Greater  Roch  likely  wont  attract a large amount of renters consitently  ( outskirts  like  finger lakes are a diff story ) - thanks and good luck

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Option C (selling) simplifies finances and provides a large lump sum (~$270K), but triggers significant capital gains taxes, potentially increasing Social Security taxation and Medicare premiums.

Truthfully though, I would do a cash out refinance for a large sum of money on my primary residence to ensure I do get a better rate. 

It is a 3BR, 2BA single family home with attached garage and full basement with potential for at least 1 BR to be added downstairs.

Address basement concerns by improving the shower usability and adding soundproofing.

I've been seeing constant ads for Baselane, which I'm guessing is newer by the bonus incentives being offered and the amount of advertising.