Christmas present to myself. 

Merry Christmas!

It’s important to include anything that regularly comes up throughout the year (here’s a hint: birthdays, Christmas, soccer uniforms and summer vacations come up every year).

@Mike Olszewski Leaving the state is just personal preference.Helocs from what I have seen was one of the top causes of the housing crisis in 2007.The road I went down ten years ago, getting my head cut off, is what I'm trying  to prevent you from experience the same hardships I went through.What I have been sayin on this thread isn't an awnser people like to hear but it's the truth that's all.Whatever you decide to do its your money and your properties, nothing but good fortune and good times is all I wish you, merry Christmas.

Quote from @Jonathan Christmas: So I have a friend selling his place for well below price a true wedge deal.

.: Markets slow down in the winter, particularly around Thanksgiving and Christmas.

I don't want to short anyone, especially around Christmas when that commission may be used to buy gifts for kids and family..  

Like your kids always get Christmas gifts, you don't have to wonder how to tell your wife you have less then a hundred bucks to your name, etc.  

The house we are doing now we closed on Christmas Eve.

So Christmas gifts are here to stay.