If only one life is changed its be worth it.

You want to learn to do X, Y, and Z in real estate well, but far more importantly you want to learn how to do life well.

Just a credit card I pay off in full every month, a car insurance payment (2006 Honda Civic 150k miles), rent & sitting on a 800 credit score.I've pretty much rented my whole life.

Over the life of hte loan, or whatever length you think you will hold the loan, how much will the money cost you? 

However, if you find a place in NYC and you MOVE to NYC (for work, for life, for retirement etc) you can keep your Houston home.

(I plan to invest in multi family and commercial property later in life so I am leaning towards being a commercial agent)4.

You guys should have a strategic life and finances discussion so you can both pull in the same direction.

To calculate that I would need a formal source that would indicate the useful life of a typical quartz countertop.

#5 You Don’t Need the Money for a WhileIt’s possible you’re in a season of life where your kids’ vehicle purchases or college decisions are either several years in front of or behind you, that you’re in a home that doesn’t need a massive kitchen renovation, or just that you have spent some time planning well, establishing savings accounts, and minding your expenses.

That leaves the low property tax, no income tax, cheap utilities, no weather related expenses, tile roofed, stucco sided, median property age under 20 years, cheap insurance and solid foundations Las Vegas properties with lots of entertainment, very cheap flights and a good quality of life.