Final ThoughtsHilton Head’s condo market isn’t “booming” — it’s stabilizing, and that’s healthy.

To date, our combined projects have yielded 320 preliminary plat approved lots across 101 total acres in three different counties and have generated a nice healthy return. 

2) You mentioned costs other than mortgage being out of pocket - what are your reserves and how long will they cover the costs you project with a healthy contingency?

PetePros:You lock in your own housing cost and start building equity.If your job situation changes, you could convert it to a rental later.Florida still has solid long-term appreciation potential.Cons:With your budget, you’ll likely get limited cash flow - and might even go negative after taxes, insurance, and maintenance.If you move, managing or selling could get tricky.This route makes sense if you’re certain you want to stay in the area long-term or you find a home that could double as a strong rental later.Option 2: Keep renting and invest out of stateThis is the path many people take when local markets don’t make financial sense.With $100K, you could easily get into a few cash-flowing rentals in affordable markets - like Memphis, TN, where I’m based.Here, homes in solid working-class neighborhoods still trade in the $100K–$150K range, and rents often fall between $1,100–$1,400/month, leaving healthy margins even after property management and expenses.If your goal is to start building a rental portfolio, investing out of state now might actually accelerate your path to financial freedom more than locking all your money into an expensive primary home. 

Because a million dead Ukrainians so Ukraine can become a NATO country on the border of Russia (just like America would be totally cool with Russia or China having a military alliance with Mexico totally reasonable), illegal immigrants welcomed by businesses and their paid for politicians to push labor costs down at the expense of poor Americans, and forcing kids and healthy people to take vaccines that don't work is totally not a scam.

A healthy 50 year today is expected to live to 90.

Most if not all builders will still hold a healthy dose of GFC-PTSD. 

My first choice owns healthy investments and helps me follow suit. 

Centralized mental health is a necessity. 

If you do not have HEALTHY cash reserves, you'll run out of money.