@Michael McCloudAbout 3 years ago, I withdrew all of the money from my IRA account, paid the taxes and penalties, and used the proceeds to purchase an existing business.It was the best decision I’ve ever made.

It is definitely a tough decision on my part.

Good luck with this big decision!

I think you are going to get a wide range of opinions here because ultimately where and how you choose to live/invest can be a very personal decision and vary based on personal values, desired lifestyle, investment strategy, etc.

I made the decision to move to Chattanooga, TN, bringing the profits there to reinvest and build my new portfolio!

Write a nitty gritty agreement as to: what are the steps for you to release money to he/she, who makes decisions, who is the boss, what do you need to buy, what happens when disaster hits...he/she has accident in the house...

You have input here and can stay with this Realtor.The flip side is that if it’s about more than pricing, you aren’t loyal to your first Realtor, haven’t signed an agreement, believe the second Realtor who swooped in will actually do a better job somehow and want to use them, you can.Unless you’re unhappy with your first Realtor, don’t base the decision on price, as they don’t determine what it will sell for, the market does!  

These are all questions to consider before making your decision.

This way you can make a solid decision with your first purchase and not feel forced into a risky strategy because it's your only option.

Soap box aside, OSAP is real debt that will be factored into lending decisions, so best to get it off your plate.