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Regroy. I posted the above out of curiosity, as it is not what I would do (but Im not you - so dont take this as any level of advice, just my thoughts). Given your low income, and the fact that hubby has his own business I am guessing that tax is not a large issue for you. Personally I...

Bigtone Out of curiosity why wouldnt you use the cash unless the cash is earning you more than 6.5% (current bank mortgage rates). Because of tax? Lets assume she could invest $100k cash into the property rather than borrowing an additional $100k. (leaving $50k "fun" money). Interest on...