Thanks all. That is why it is such a tough choice. We most likely would NOT want to live in the place after being a rental property for 8 years, but again, who knows. The question for me is, are we better off investing that money monthly in tax free bonds, or other investments rather then having the expense of the second home, and possible costs involved, late tennants, repairs, no occupancy, etc? I think maybe I am too nervous to take the chance when we need this money to grow over the next 8 years, since we have remained relatively stagnant the last 10 years in our portfolio.