@Matthew Posteraro That's a solid plan.

We're currently living in Idaho so attendance will be difficult in the near future but we'll have to plan a trip to Sac or make sure to attend a meeting when we move! 

Given that I would pay 3/4 of the property's assessed value I think this could be a great opportunity.

Probably too late to form the more complex plans for 2021, so plan for 2022.Start an HSA plan.

Grow wide first, then deep (pay off)- your little expenses add up fast

Our current mortgage terms include a late fee after 5 days, so they’re already paying extra each month and have to split the total monthly payment up between 2-3 payments when they get their pay check.

Option 3: Pay large down-payment on modest rent ready house. 

@Dillon Clark-don't pay extra down on your mortgage-don't use a HELOC-save up as much as you can-hope this helps

We explained to him we would pay for probate and pay to fix up the house to get it rented.The lease is for 5 years but dissolves once we close.

That way you have a fallback plan if it gets overwhelming. 6.