Are there any non-sheep houses with basement/tenants to help me pay the mortgage? It may be worth the extra 200k to have half of the mortgage paid by a tenant.
No basement apartments in my neighborhood but there are very suitable houses in the upper 400k to mid 500k.
Also, in my particular area, we have some of the OOT advantages. Everyone gets along and is friendly, that a includes a striemel wearer, a chabadnik, long time kolel learner etc. My kids know that there’s a one in three chance that they’ll get gilila on any given shabbos:). Point is, in a new small developing neighborhood, everyone counts and is needed by one another.