At BP, you can make your dreams come true.

I've heard banks won't give the HELOC if my property is already in an LLC, and I'm curious if that is universally true.

(once you know that, you'll have a better idea of your true lot costs) Does the house have asbestos? 

The beauty of a lease-to-own type arrangement is there is no built up equity.

@Sydney Hall, I grew up in SLO county, went to Cuesta before transferring up to SFSU, and spent most of my childhood on that beautiful coastline.. :)  We'll have a meetup there in late July when I'm back if you want to join!

This is true whether the IRA is a Roth or Traditional IRA, though of course the tax dynamics of each are different.The advantage of a Roth over a Traditional IRA comes with how long you will use the IRA before taking distributions and how the IRA performs.  

The brokerage that I selected made tons of promises that ended up not being true.

I have this dream, A dream of being free from living paycheck to paycheck, working for other people in the sense of "No matter how many promotions I get, I'm still NEVER going to OWN the company I am working for.I am happily married to the woman of my dreams, and we have 3 beautiful children and a comfortable lifestyle.

We just appreciate their beauty and like working to preserve it.

Beautiful city, though!