My draw to downtown will be that I plan on being completely retired in my mid-fifties (I’m 42 now) and as a retired military member I have the privilege of flying on military airlift on a space available basis for free. My wife and I would like to be close to North Island NAS because they fly to Hawaii frequently. We look forward to the day when we can wake up and say “Where do we want to go today?” The dilemma is we still have two school-age kids who need a good education, which is why we’re looking at two homes. Not only will we have the additional tax write off with the second home, but it’ll be a weekend retreat when it gets hot in RB. I figure in 10 years when both kids are in college we can downsize and dump the house (hopefully with some gains) and use those gains to pay off the condo. Retired, no house payment…that’ll be the life.