Please don't forget that you will never own your property forever. Financial situations change, jobs change, you can upsize, downsize, default, foreclose, etc. and someone else will want to buy YOUR old house and move in. We are not here to protect the public, including those that purchase pre-owed. Therefore, I don't buy the "It's my house, I can do whatever I want" attitude. My response when I hear that is "You own it today, that does not mean you will own it in the future".