Hope that helps and welcome to the good life in Nebraska!

I'm Josh, I have lived in Napa most of my life, and I'm looking to become financially independent via passive income!

It even says some landlords assume the paint has a 2 year life and some assume a 3 year life.  

This will be likely the last chance in my life to do anything with that kind of money so I want to make sure I do the best with this opportunity.    

One of my life philosophies is that "Givers Gain and Takers Lose" When you enter a deal as a giver and the other side sees that, they are more inclined to be a giver too.  

Don’t get me wrong, the investment side of things is attractive, but unfortunately I don’t have the risk tolerance at this point in my life.  

I've been a resident of NYC for over 25 years and now at this stage in my life I'm ready to step into my own home(s) with the intentions of  becoming a landlord of multiple properties.  

I am in a flood zone and now after hearing about all the gloomy ramifications regarding rising oceans and dying ocean life, I am wondering if this was a good investment long term?  

@Crystal Wilson pay it off and be on with your life.

I lived in the Baltimore area for the first 29 years of my life (and I'm 33 now), so I am pretty familiar with the area.