Are you willing to gamble 72 large without an inspection, title insurance and spouse's signoff all under a countdown?  

However your plan (401k, Ira, Hsa, etc) can also be brought into a law suit with an asset such as house that has some liability but insurance should limit a lot of exposure.

Account Closed Hey question for you, is there any insurance issues you ran into with your commercial projects?

I calculate $239,900, plus taxes and insurance at a payment of $1800/month.

Most lenders let you go up to 50% (debt including mortgage payment, property tax, home insurance, and HOA dues, as well as any other loans you may have) over your gross pre-tax income.Income should be stable income from a job. 

@Rufus WhiteLooking at some of the key numbers:Mortgage = $540/month (I am not sure if this includes taxes and property insurance). 

Had to pay my insurance deductible and a number of other things to get the house back in shape.

If that's the case, I would throw in $1000 in repairs just as insurance so your not getting a surprise. 

For now you need good insurance.

Also, insurance will be higher than normal as well.