With the Zaggots already established, a few areas under redevelopment, and a new NHL & NFL teams coming to town.

(Already investing ~20% of salary for retirement in various forms of the stock market) Even after putting 20% down, we should still have a healthy sum of money in the bank.

The HML loan has been retired and they should release their lien on the property.

If you're doing retirement planing when you're 25 (as if 25 YO's think that far ahead), you're talking 40+ years.

Combine that strategy with a rounded diversification plan including stocks and/or ETFs both with covered calls, bonds, commodities and cash management and you have a great strategy for retirement and income replacement if desired.

Of course once I looked that up and applied it to your post I now understand what you said.AS a retired financial planner I should have know this but thank you for challenging my brain every so often.

You don't really want a retired or unemployed person either-- they'll run up the utilities that you're paying for all day.

Very different if your cash flow and retirement depend on it.

Example 100k for seven years on the note but if seller decides they want money in year 3 I give them a discounted note payoff of 50,000 to retire it early with first right of refusal.

With all of the tax advantages that real estate ownership offers beyond the qualified retirement plans, we've recently wrestled with the value of using our IRAs for retirement investing.That said, the self-directed IRA is a great option to use to meet many real estate investing goals.