Based on your plan and the low cost of renting in the summer months, I would not buy now. And that is very contrary to the advice I usually give about buying. If you have 7 to 10 years until you retire, a better plan would be to rent for the 3 summer months for about half that time. Try different locations and different style homes. That way you will know The Villages a lot better, know where you want to live (it's a big place) and the style home that works best for you. By renting you will also learn about what works best and you will be a better landlord. When you have about 3 years to go, buy and rent it out for the 3 prime months Jan-Mar, maybe pick up one or two extra and get ready to retire in style in a home and location you are very sure is right for you.
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Life is to short to drink cheap wine.
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