Its also home to Eric Church the country music singer and Madison Bumgarner the MLB pitcher for the San Francisco Giants.

Don't rush to pay down the mortgage but also don't try to refi just to get a giant lump out to buy that Maserati. 

Building on the shoulders of giants, as they say.  

Thank you so much Dick and Jack for your feedback.

Figure out what she is afraid of -- dealing with the 3AM calls-- do a PM, problem solved.. there so many options... is she afraid of a giant rehab-- start with a turnkey!    

entrance" to my home before applying to purchase it I was so excited I didn't pay attention to or know how to assess damages: vandals stole the all the copper wiring, bootleg window installation (there are vines growing over my bedroom curtains), bootleg hardwood floor installation, salvaged & broken bathroom fixtures installed, non working electrical outlets, GIANT RAT INFESTATION, no central air or heat, broken sinks in both bathrooms and kitchen, giant forest overgrowing in back yard, brand new hot water heater not installed properly.None of what I listed above was too much to handle but if I would have assessed it before hand I would have had it taken care of in 1 week instead of 3 months.

I personally feel $4000 a month is a GIANT nut for a 2/2 condo in a crappy old complex. 

@Tyler Mutch , there ARE costs and fees associated with getting a loan, but upfront fees to get the ball started are a giant red flag.Also, a gmail account?

Well 90 days later, after a series of poor contractors, giant termite extermination bill, begging my dad to frame the house up for free, and long 10 hour days, I finished.

Ultimately, this sounds like small potatoes in the grand scheme of things... but I get that my small potatoes may be a giant thorn in the side to you.