that's the best route.. also cost of living is only cheaper basically in one area cost of real estate.. food is food insurance is insurance taxs are taxs and taxs in Cleveland are probably higher than Denver.. and in the high end of Cleveland real estate the tax's you pay for a home may mitigate the idea of its cheaperAnyway good luck with the move.. and oh nice gamble in Denver you know appreciation is gambling on this site but someone has to get it  LOL

I hope that gives you some food for thoughts.

Stick to it and keep pressing forward.FWIW, I took my account manager smoked ribs...food bribes are legal!

You may find that your personal letter yields a better response rate than you postcard, or whatever you're using.There is a lot more to this art of mailing, but hopefully this is some good food for thought.- Troy

Summing it up...put 20% down to avoid the PMI, and refinance with HELOC when you need the cash. hmmm, the HELOC is definitely some interesting food for thought.

Honestly 7 months ago I went to my first food bank because even with government assistance I could not feed my children...I honestly was sick to death... having three degrees and no drive to do better for me and my children...I was stuck...until somehow i began to watch you tube videos over and over ,day in and day out...I did this for for 6 months...Thats all i did. until finally I said I can only watch so much ...I have to do it...I put $17 in my gas tank(all I had, I did this instead of eat three times a week) and drove to a meet up in Charlotte.

Just some food for thought!

@Michele G.Just some additional food for thought - did you inherit from a parent or grandparent such that exclusions were filed to save the property from reassessment from property taxes when you inherited it?

Personally I know people will disagree with this but, at 15 do not get a job working in fast food.

For two main reasons: 1- I’m not sure it will really provide long term benefits to the tech firms jumping on the bandwagon now 2- I’m not sure how many employees will ultimately like it, after the forced-Covid-novelty wears off. i.e. it’s hard to get all those cool tech co benefits like free gourmet food, gyms, awesome office spaces, etc., etc. piped over a zoom meeting.As for WFH effect on the Bay Area, keep in mind that when people work from home, their direct environment becomes MORE, not less important.