You may also want to consider an FHA loan, 3.5% down.

We may consider an fix rate Home Equity Loan but wanted to see if there was some angle we hadn't considered.

You may want to consider an Umbrella policy to add more Liability coverage.

If you are going to owner occupy, consider an FHA loan (3.5% downpayment) or NACA program (0% down, but must more hassle).

If you're interested in sticking around the Colorado market, I'd consider an Airbnb/short-term rental in one of the areas that allow for it.

Why wouldn't the title company consider an Heirship Affidavit instead of going through the probate process (unless probate was already initiated)? 

I bet you'd have to replace it regularly.If you are going to get something with Bluetooth, I would consider an entire stereo system that's easier to bolt down and less likely to disappear.

I was wondering if u would consider an offer on it.”

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

The way the state is structured into “towns” which have authority over much larger areas than what you or I would consider an actual town makes it complicated.