I was wondering how should I do high level estimate on cost of construction for homes.

Does anyone know anyone that does 5% for a vacation home loan? 

For starters, I recommend to begin with a single family home or if you are looking to start locally, do house hacking. 

For me I think it depends on how much money you have invested into the home and for how long?  

Leverage  anything in the US  so you can  use the cash to buy in CR  ( US home / 401K / other assets ..etc)  ...pura vida !

If you want to get a clue about places to avoid investing look at states where insurance premiums have jumped or where homes are uninsurable. 

Since then, I’ve had a nightmare of items pop up Mortgage payment: 1,495 to 1,950 (home was valued at 100,000 on the county auditor to then moved to 210,000, the price I bought it)Loan: I have a 320 dollar loan payment that finishes up by next year for a tub and shower replacementWater: When I first bought the property, the bill was 250-300.

Rates are going to start to fall in or aroud May/June of this year so by the time you have purchase the nest home you can do a "Rate & Term" refiance and lower the rate on the first home. 

The weather can certainly suck in the winter but it's no different than most of the country.I have been saying I would move out of NY for years but it is home. 

Pro tip - Home Depot has a tile from Ivy Hill that looks exactly like Zellige for a fraction of the cost.