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Do it. The region you describe will always be a good place to live, so if you can find something you can afford (with conventional d/p and loan) then do it.
With regard to the 6 month reserve for contingencies - what % of buyers over the last 40 years have done so? How many Pelicans herein purchased their 1st home only after meeting this requirement?
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David
1972 911T/S MFI Survivor
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