Obviously I wouldn't want to go near Casino road...any other advice for that area? 

The dress code is the same when you are looking at houses as it is at Casinos or Neiman Marcus. 

If you are living off of your wealth, enjoy the added monthly cash flow and peace of mind that paid off real estate provides.

But we're enjoying being debt free as we get ready, learn and plan.

Without going into too much detail I enjoy wearing many hats and interacting with so many different people. 

While you're still "young" enough at 63 to enjoy extra passive income into retirement.You can't spend "equity".

I lived there for a year and enjoyed it very much...good to hear that Citizens isn't slower than Quicken.

I always enjoyed visiting SoCal....and hopefully will be there this summer depending on...the usual things ...life sometimes gets in the way.

Most of us try our darnedest to fulfill the commitments we make, and not look for a way out the 1st chance we get.Once the baby is born and you truly can't survive in the duplex, then I am sure many lenders will be happy to work with you and might even go to bat with FHA to get you approved for a 2nd FHA loan.Until then enjoy what you have and what you are about to have.

Someplace to enjoy a cup of coffee in the morning.