That land has more value, beyond market value, to them, since it is contiguous to their current properties and would allow for seamless expansion. ...Or, when celebrities purchase multiple properties around their personal residence, to house their employees or just have additional security and privacy. ...there are many more examples.

Personally, I've shifted towards a more conservative approach that takes into account supply and demand dynamics.

I think the strategy needs to shift from income to capital growth at this point. 

If a township does shift their ordinances, owners still have the options to rent for a "season" which works well for places by ski resorts that sell annual passes or communities with amenities like Lakes and Pools. 

If you are anticipating a transitionary period coming up soon where you may have less money coming in each month, like a career shift, and that is why you are wanting a lower monthly payment then again having a bigger reserve in cash you can tap will likely be easier than just plunking more down to reduce costs.

This may not be the type of money you're trying to solve for, but over the past several years I've been gradually shifting a portion of my household emergency fund from bank accounts into I Bonds from the U.S.

We are a single income house as she stays home with the kids, so our personal cash flow was relatively tight, but we figured it'd be a good long term play to shift the equity in our primary into a breakeven or small cash flowing property that could be bigger down the road.

Clearly my mindset shift made others feel uncomfortable.Fast forward a full year, I’ve been laid off my W-2, started a capital raising business, attended countless in person events, joined an amazing mindset mastermind, and just committed to my 2nd 6-month professional coaching contract.

The balance paying off the old loan will be shifted to the new rate, any difference should then be looked at as an interest cost to the amount of cash received as well as the additional points and costs of obtaining the loan need to be viewed on a weighted basis.

@Al Neal,To make the @ work, do the following: Hold down the shift key and type @?