For one, I would not trust Zillow to pay out under any circumstances, so there's that.

It's all about finding the right fit for your circumstances.

Its important that you go with the plan that makes the most sense for your facts and circumstances  

Do we know the circumstances that may warrant the city needing one?

You are required to stay in the home for the time of the mortgage and the lien is the way the ensure this, but this can be removed in certain circumstances that would allow for it such as getting a new job that would require you to move, or a death in the family etc.

I wouldn't take advantage of the situation, but I would consider throwing an extra 20% on top to cover unforeseen expenses.

@Scott Trench there is no single correct answer here because the best course of action depends on the totality of the circumstances.  

Hi Josh, Additionally, consider building conservative assumptions into your financial projections to account for potential market fluctuations, economic uncertainties, and unforeseen challenges.

Think 50% less pay or more in most circumstances.

Under the right circumstances, it can work well in 2026.