 Every guideline you gave me fits and makes good common sense. It fits everything we're talking about. The only trade-off is she wants to keep $80,000 in the bank and watch it go down in value while the house goes up in value. So you're trading a $300,000 house for what is now a $250,000 house because in 20 minutes that $250,000 is going to be $300,000 while you sit around and watch your cash.