@Mike Burkett @Chris C.Hi,I should have read the post more carefully.

I always viewed it as "who cares how much money I put down", I plan to pay them all of before I retire as part of my ultimate strategy anyways. 

Many people don't realize that you gain as much or more net worth through debt pay-down, and while it's less liquid than cash flow, over a 5-10 yr hold period it's considerable if you buy in the right areas with the right asset class.

Now the situation has occurred that we need to rent the house out in order to help pay for his long term care expenses. 

Regarding leverage - use it carefully!

Insurance is still an annual dog fight via my broker.Read your policy very carefully, consider replacement costs will probably be higher than estimatesResiliency is a requirement here.As far as sell or not....it'll depend on your determination to be here.This ain't the burbs of the bay area.Prepping for heavy rain right now.

Expenses are about to go up considerably.

These are all important considerations, and understanding the requirements can save a lot of headaches down the road.

So whenever the buyer wants to refinance or sell the property my lien comes up aswell and that's when I'm taken care of? 

The 15-20 year run people had is gone, so be VERY careful with listening to some of these "real estate gurus." 7.