We purchased 7 years before retirement. Rent out seasonally and enjoy the home a few times a year. Everyone has told us we did it the right way. With the houses appreciating, we agree. Some days are harder with 2 mortgages, but when we sell our home up north, the $$ will go to mortgage and we have our retirement home all ready. Worst case scenario, we sell our villages home and have made some $$
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