Re: Hypothetical Situation re: grandchildren
Just to be real clear....if the children or grandchildren are over 19 (under 55 is irrelevant) they can live here full time.
The over 55 primarily pertains to the homeowner and, even then, up to 20% of homeowners can be under 55 (but over 19).
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Maryland (DC Suburbs) - first 51 years 
The Villages - next 51 years 
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