sdcellar, I don’t feel comfortable divulging much more financial detail than what I have. The ones that I mentioned not paying it off is because they feel they can invest that money and get better return than paying off the house. Then there are others who, although can’t pay off their loan at the time due to needing the cash to do other things, have mortgage payment in the 800/month range. That’s the kind of payment you’d be happy with in a 1 bedroom apartment, not a house.