Or should we just keep it safe and not take out extra loan money and slowly try to save up $$ from my engineering salary?

Keeps them close by and keeps the property safe and looked after! 

Its a very livable area with easy access to most necessities and attractions. 89052 happens to be a very safe place to raise a family of course do your diligence but I think your on the right path. 

When I decided to make REI my livelihood and wealth building machine, I was able to see through the fog.Many who bought at those low rates and cash flow will likely feel safe and hold for the long term.

I use a rubber bands around my bills, then deposit them in my mattress for safe keeping.

Most people only move when they feel it’s safe, and that only happens after they see the early movers starting to cash out.

Also the economy of that location or state could be harmed and you would be harmed (even if you did really well in a downward spiraling market the market forces may overwhelm you advantages).Diversification is definitely a wise move to be safe. 

I rather be safe than sorry so going to hinge on that rule.  

Evening Fellow Investors, As I am finishing up  @Scott Trench's own Set For Life, I came to a section in the book under "Exploration of Financial Freedom" about The Safe Withdrawal Rate.

So I decided to play it safe and wait until the OO period is over.