Cherokee has lower taxes , lower crime, medium inventory, but commute times are the harder sell.

(if you PM /email me the address I would be glad to pull some data for you)...At a glance, you are completing a renovation on this property, but your expenses are sky high for operations...why would you have operating expenses for a freshly renovated property...and CapEX...logically, your expenses would be significantly lower for things like maintenance/repairs...Glad to assist further

They've set guidelines for their comfort levels on things like:  Location, Property type - SFH, Multi-family, Apartment complex, commercial, other - etc. 

He would contact home-owners that had loans originally with these banks, and work with the home owner to contact the mortgage-servicer to negotiate a much lower balance because they did not have the original note.

It's at the federal level. 

The smaller distribution amount will result in a lower tax rate, and if the home interest deduction is still around, you'll benefit from that as you pay down the mortgage - possibly from smaller annual distributions from your plan.

I don't remember any of my cash out refi's asking me my level of education (post graduate).

If you put that equity into your new house you could pay off the loan faster or have a much lower monthly housing expense, and you can take out a Heloc to invest with.

It seems reasonable to believe its going to take a different mindset and view to take yourself to the next level you desire to be at. 

That's lower end entry...there is a wide range in Denton and there are opportunities, depending on your risk tolerance to look at higher end...in Denton County we are still undergoing strong expansion and are seeing spill over of development around the top of the lake.