No crystal balls here.

No one has a crystal ball but IF rates drop next year, your home value might increase (don't know the supply/demand in your market) and if so, might be a better time to sell if you choose to.- I am wary of CD's because you are typically locked in for extended periods of time and the return is not all that great.

Nothing is going to change until the vision of what your life can become is more crystalized in your mind than the fear of what could go wrong.

Quote from @Crystal Smith: Quote from @Mike Schorah: Never heard about it until yesterday and I’ve been studying real estate for the past 3 years and wholesaling for the past year.Is it more for people that do sketchy things like not tell a seller up front that you’ll be assigning the contract or not having a network of cash buyer partners that you’re working with or not also doing rentals?

To be crystal clear on the facts: her relatives/heirs/ next of kin are aware that she sold her house, which apprised for $290k, to you for $60k? 

I don't understand your proposed condition...Sure, you can plan for anything depending on what your crystal ball says... 

While a busy schedule is usually in my crystal ball, for such an event and cause, you know I will step up and I am quite confident.

@Crystal Smith thank you!

Of course my crystal ball is hazy as hell and there are a million things that could happen between now and then that might stymie a RE market or push prices down.

It's the same as when a non-profit is taxed on businesses it derives income from that are not related to non-profit objectives, and that give it an unfair (tax-free) competitive advantage against businesses that are taxed in that area.Unfortunately, these custodians (such as Equity Trust) are primarily concerned with getting clients, and have a vested interest in not making the laws crystal clear.