This is the biggest decision of my life and I don't know what to do!

What's the life expectancy of the roof, paint, furnaces, water heaters, etc.?

@Devin James The 1 habit that changed my life is I started prioritizing wants vs needs. 

Even just adding an extra $100-150/month to the principle can take years off the life of your mortgage.

I have been doing this since the mid 80s  over 3500.00 transactions and If I can do it you can do it :) "If I can do it you can do it :)"Haha, this is exactly my problem in life... if other people can pull off out-of-state investing in class C neighborhoods, maybe I can too? 

I have a Indexed Universal Life policy that is 7 years old.

With some of my clients, I've seen discounts of 30% to 90%.Here is a real-life example: I invested in a $50K note; it was second TD but with significant equity (over $200K) protecting my investment. 

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

Time of year I can't get anything rented if my life depended on it right now and I have lots of vacants.

Have both a personal and REI emergency fund because life happens.