Here's my $0.02...There is a cultural factor at play as well.

New York City seems more for capital gains plays.

He's playing too many roles so he can blur the lines.

I think that would be a unique approach, if you could wait it out and play the monopoly board for a while.

If I roughly doubled the numbers above that would give her the flexibility to stay where she is, quit altogether or take a position that she thinks would be more fulfilling even if it involves a major paycut.Note this isn't as much the goals as it is getting to the point of just playing with the "house money" to build a better lifestyle rather than just being able to replace current living conditions.

When your purchasing a home is the price of your mortgage payment based just on income and credit or what other factors come into play with how much your monthly fee will be ?

Neither the $250K nor 'reinvesting into next house' come into play here.The next house was a provision on personal residence, but that changed over a decade ago.

Given your background and experience, you are obviously aware of that being penny-wise is often pound foolish ... so, I'm guessing you are playing the role of instigator here to ensure the other end of the spectrum is considered.

I have stayed in vacation rentals that are primary residences and they must couch surf when it is rented; that isn't what I'm talking about.The recent podcast has my brain chugging about vacation rentals.My husband and I have discussed opening a B&B in retirement, but decided it is too involved and maybe not playing to our strengths.

Obviously their are some variables that come into play but if you have some questions feel free to direct message me as I could answer any questions if you chose to go that route.