[JMintzer]

The current (very) low interest rates make carrying a mortgage much more attractive, leaving the funds available for investment gains (which should be significantly higher than the mortgage rates). Add in the interest deduction on your taxes (if your home in TV is your primary residence, or an investment property), and it's even MORE attractive to carry a mortgage...

We put down 25% on our home in TV, mostly because we still own our home up in the DC area (for now)... Once I fully retire and we become Frogs, we'll sell the house (which is paid off), and decide what to do with the remainder of our mortgage.

We may decide to invest in a small condo up here, since that's where the kids live, but we'll make that decision when the time comes, once we see how often we travel back to the DC area...