I could sometimes get in 5-7 days once a year for a vacation but I'd pay the price when I got back. 

. - AOA Debt Reporting Service: letter sent w 120 days to pay (with credit bureau reporting) after which it rolls over contingency plan with collection agency getting 38%.I know I would not want the task for what they charge.  

The only “good news” is you’re paying for last year’s shortage and thsi year’s taxes, or this year’s shortage and next year’s escrow account. 

With that in mind, you should have a decade or more perspective when you buy.

From the financing side of things - keep in mind that conventional cash out refinances require 12 months of seasoning in order to use the new appraised value.

When someone wants to send you a referral privately, they are probably sending you a friend that pays them a referral fee.

To be clear, you are not paying off the 80K mortgage.

Don’t want to pay taxes on the capital gain.

Lake Berkley or Terra Verde come to mind, they are peaceful yet still fairly close to the parks.

Then I pay those loans off asap and repeat.