re: Buying new home - Renting current townhouse

quote:

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cover my blind spots so I can make sure our future children don't have the insecurity that I felt growing up. 

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Firstly, congratulations on managing money successfully at a young age. I failed to do this and it was a mistake

If avoiding risks is your priority then you should go the safe route with it. Carrying some debt may not trouble others, but this kind of thing could keep you up at night. That would make the 800k house very much not worth it.