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you're buying a second property to house your in-law for free.
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a second child incoming.
Those two are insane expenses.
Have you ever thought of a contingency plan? Jobs are never stable unless you are a doctor in Canada. Interest rates go up. You start to hate your in-laws.
Also condos and townhouses lose value the most in Richmond in case of a recession.
I think upgrading to a bigger house is the "safest" course of action unless you want privacy.
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