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On a completely different note, why would you consider getting a property "just barely within my range" when you also mention retirement in the same paragraph ?
I wouldn't want to take on a huge debt with retirement looming on the horizon, especially if it is dependant on the good rent paying ability of tenants that you didn't pick. What happens to you, and your house if one of your current (or future) tennants turns out to be a deadbeat, requiring expensive repairs, and legal fees ?
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