My husband & I bought a house in the Golden Hill neighborhood of San Diego last August.

Selling them right now is like killing the golden goose.The very last thing I want right now with interest rates near zero is a giant pile of Federal Reserve notes that would be nearly impossible to put back to work in real estate and I certainly can't earn a return on interest-bearing instruments, i.e.

Consider dealing in good faith, try the golden rule in being reasonable. :) 

I have no doubt if we ask we will find he prepared via various guru programs, videos and "golden ticket" promises.

Hi Jose,Once you get your loan handled, if you hate your job maybe you could look at someplace like the Golden Coral Buffet...maybe apply to be an assistant manager, (maybe more money).Good food, nice employees, nice customers (hard food service work like in the military).It's America's number one buffet restaurant (just budget for bigger waist pants in a few months): https://www.goldencorral.com/Good Luck!

You should never ever feel like you need to be loyal to a real estate agent or broker and this subject comes up all the time on every real estate forum and I can write about the reasons forever.The problem with dealing with and trusting one broker is you are limiting yourself to only the properties that broker offers you and you are most-likely missing out on many golden opportunities when other brokers have better deals and pocket listings where the properties are not available to the general public.

The first of Two Golden Rules is to NEVER spend your seed money. 

After 5 years if rates go down you are golden but if rates go up you might get stuck refinancing into another 5/1 ARM or fixed loan with a high interest rate.On large loans like this 1M example, is a 5/1 ARM better than a fixed rate loan?

Golden only allows them if the owner resides in the property at least 10 months out of the year (and also has had a long-standing rivalry with Denver ;), and in Evergreen (also a distinct town, but perhaps the closest to "West Denver" on the list) STR's are technically allowed but it's become difficult to get a permit (you have to seek approval of a Special Exemption from the Board of Adjustment, then you can apply for a Short Term Rental Permit from the Planning and Zoning Division and the property must be a minimum of one (1) acre in size, the building standards of the underlying zone district must be met, adequate parking must be provided, defensible space requirements must be met, valid water and sanitation must be demonstrated, no more than five bedrooms in the dwelling).

Foundation issues are very common in our area due to expansive soils (bentonite volcanic-ash clay that expands when it gets wet and shrinks when it dries, especially bad in certain locations on the W side of Denver, parts of Golden and Superior).