Our plan is working great, our small pensions and savings (401k, Roth IRA's, other) will more than cover our new lifestyle for more than 30+ years (according to all the retirement calculators we have used).To further protect my retirement savings I currently am taking advantage of the historically low Federal Income tax rates and working to shift the majority of my taxable income into non taxable savings primary using the Roth IRA conversion option as well as a few other areas.

So at the typical cost of $60/SF it is not an automatic no brainer.

Responding with Pre-screening took me zero minutes, automatically happens.

Know that in 6-12 months that pricing, rates, and loan terms could shift on you. 

If the working class goes from blue collar to white collar than this will shift the balance and the entire market goes up.On the other hand let's assess the geographic placement of Philadelphia.

Taxes will also usually be automatically withheld.

@Max Hutchinson I think it’s helpful to have rent paid automatically.

Not wanting to over-complicate things seems to be the main sticking point with many agents around here these days though, and there was definitely a shift a few years ago with escalations being something of an ace up the sleeve, then becoming more popular, then possibly being overdone, and now many agents are just over it. 

Is he suggesting the grading issue is causing the foundation to shift, thus damaging either the supply line or drainage?

Agree on an "average" water/sewer bill amount and have that automatically added on top of the rent charge every month.