It might cost more up front, but it will save you time and sleep.

There're lot more value in real estate even if one think it from long term investment.You can't sleep with your 9999999 SPY call, if market crash your 999999 call goes to zero instantly if you dont hedge it correctly.but one can sleep  wellwith your very own 99k house LOL :)The value is very different.

Am I the only one disturbed by the insidious comments about historically black neighborhoods?

Sleeping around 12.

The TK seller will make money on the front end though and pass 100% of the future losses coming to you in the form of cap ex, taxes, insurance, mortgage, fees, vacancies, break ins, vandalism, turnover cost, paint, carpet, code violations and the general loss of sleep is free of charge.

The other side of it is how well can you and your husband sleep at night in the current condition.

A wife and new baby, you can't believe the amount of sleep I lose over this.

Like Suzie Orman said if it lets you sleep better at night then pay it off.

I like the idea of holding long term low interest debt as a hedge against inflation but if that doesn't let you sleep well at night, then don't do it.

They go to work early and sleep early, we have a baby and want it quiet early because baby goes to bed early.