Jalen,I don't have an answer, but I just want to extend KUDOs to you for having so much foresight and ambition to be thinking and planning like this.

While we were eager to assist her, our current services do not extend to HOA management.

Plus, you can not assume that you will always make the right stock selection over an extended period of time.

we build ground up and don't collateralize anything. we build at a discount in Columbus Ohio and we build cheaper than every builder I've seen in our market and because of that we make each person self fund a retainer account. we don't extend any credit to anyone. opposite of what you are saying. builders that bring value call the shots. 

One of the people I admired growing up was a developer and builder and having once been over extended and BK, started over with new construction and cheap rentals he fixed up as a back-up to changing economic conditions.

Most dangerous situation for sellers are buyers who are (1) inexperienced (2) undercapitalized and (3) over extended 6.

But that doesn't mean you won't get full value out of extending the up the unit.

.' - Interest only or extended amortization (For example a 10/20 Interest only or 40 year amortization).

I researched it and decided to just buy all black grill (not stainless as it is not marine grade stainless and rusts in weeks) and an extended warranty.

With conventional rates in the 6.5-7% range on a primary home, payment shock can be offset by exploring extended amortization schedules such as 40 year or 10/30 Interest only loans.