(My wife is taking the early out at UMC at the end of the month. 2 years free medical, a big check, and payment for stockpiled CAL/EiB.)With low interest rates Vegas home prices continue to rise as people figure out if they have a job they can live in a detached house for just a little more than renting in a virus factory/apartment. 

Court is closed here except for emergency matters.

Chris, see https://library.municode.com/f...Under the code, Permitted uses and structures in CRO zones include: (1)Medical and dental office or clinics (but not hospitals).(2)Professional and business offices.(3)Multiple-family dwellings.(4)Single family dwellings that were originally designed and constructed prior to adoption of the Comprehensive Plan.. . .This is not legal advice.

Their nasty lawyer continued to demand all the money and the moving cost, now also threatens us with potential lingering medical issues (they are seeing doctors) that may have due to their exposure to this mold (5 days) in the house.

Medical staff and various other industries.

I would like to have some savings left over for personal emergencies and other misc. costs - so I will continue to save.

Then those areas gradually transition into cash-flow properties, and the next new fast-growth areas emerges.

You will also have a boatload of appreciation to tap through a HELOC if/when you need some emergency funds (or to fund a reverse mortgage). 

We already knew someone local to assign as our local agent, but I believe the city gives a list of people you can "employ" as your local agent (which is more or less a local emergency contact).  

Well, if you're approved, I'm of the school of thought you do as high LTV as you can.The only reasons why I might put more down:1) I have enough cash reserves for emergencies already2) Sleep factor of less debt3) Recheck your CFBT with/without.