I was having a conversation with a fine lady who I've known for many years and when the topic of HOAs cropped up, she actually swore!

There is a demand for rentals in the area so I hope to have minimal carrying costs.Right now I am trying to focus on that fine line of having it nice enough but not spending too much.

This post pretty much has been a catalyst for some changes I've recently made:http://affordanything.com/2013/10/24/one-critical-thing-holding-back/Take a deep breath and you'll be fine.

My wife is back in Indy and my house is fine :) She told me it was not cold inside the house.

Different banks have different requirements but as long as your backend DTI is below 45-50% you are fine.

If that's want you want and plan accordingly, fine.

If the formica is maybe burned and otherwise good might do the paint but this formica looks fine (on my computer anyway).

The formula works fine for me around an ARV of $250k but once you start estimating costs for a property with a low or high ARV (i.e., $100k or $500k), you'll get incorrect results.

You have already been given some sage advise, jump in the water is fine.

Everything went fine at closing and everyone involved was very happy.