My 2 cents for what it's worth. If you need to depend on renters to comfortably afford to pay the mortgage, I wouldn't buy now. There will still be homes for sale in the villages in two years (when it sounds like you will be able to move full time). From my own personal experience, there are a lot of miscellaneous expenses associated with owning a second home. We bought a second home 2 years before we retired as we were afraid prices would go up (this was before the housing downturn). As it turned out, it wasn't really the home we wanted to spend our retirement years in, so we sold it. Even though we got most of our down payment back, when considering the monthly mortgage and taxes we paid, we would have been better off not buying that home, but rather just saving those monthly payments for 2 years to go toward the down payment on a house that we really wanted to live in full time in retirement.
Whatever you decide, I wish you the best.
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 Village of Tamarind Grove
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