[quote=sdcellar]A buyer today would still be wise to not overrate such long-term effects, however. That is, be careful not to put too much stock into the 30-year (or 20-) argument as many homeowners never get there. If instead, it’s honestly your home to die in, then yes, your kids might not be so affected by your currently (outrageous) Mello-Roos.[/quote]
Totally agree. Which is why monthly payment is what you should really use to compare those two properties (especially if you don’t plan to die in the place). The monthly payment gap would be even bigger after the MR drops off. With those two examples, the SB property starts out with ~$900/month cheaper after all expense. That haven’t count in ~$200/month less in property tax. It would be another $400/month cheaper if you decide to stay past the life of the MR.
