Look how much you will be underwater if prices retreat even 10%.

I responded with the following:"We sincerely appreciate your feedback, as we strive to make our mountain retreat clean, comfortable, and attractive for all of our guests.

You may have to pay cleaning fees to use your own house, but a small price to pay to enjoy a nice little retreat. 

I think it would be great to have a third choice to distinguish our meetings from hard pitch seminars held with the sole purpose of getting attendees to cough up tens of thousands for a guru retreat in Vegas.If we answer "No" to this are we misrepresenting the intent of this question?

Otherwise, you risk running out of reserves part way through, as Jeff above alluded to, and more prepared investors will be only too happy to come in and pick up the pieces while you the newbie investor retreat to lick your wounds.

It was pretty hilarious, however, when they got to the home of the young newlyweds, who work as a yoga instructor and a plumber, and live in what is clearly a million+ estate on the Pacific, and they were all whispering, “how in the heck can they afford to own this place?”

Community is building resort style pool, gym and yoga center, hike and bike trails, dog park - all included in HOA fees which is not high.

Find a marriage retreat, try doing personal development together, and above all work on yourself first.Good luck my friend.

If prices start to retreat, you'll have to factor that in.If you push your search radius out, you stand a very good chance of crossing into a different market, where values are not close enough to be useful.

Also, the MRI was unnecessary, he has mechanical back pain from lack of movement and poor posture and needs PT, chiropractic, massage and regular exercise (preferably including yoga, not high impact until he is doing better).