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There isn’t one net-yield threshold that fits everyone, but the decision can be made less subjective. Get the housing company budget and full fee schedule, clarify land ownership, insurance responsibilities and how property tax reaches the owner, then rebuild the model from those figures. Run at...

I’m not convinced catchment data belongs in the main posting form. Boundaries or eligibility can change, and a member-entered label may look more authoritative than it is. A simple tag would be less polished but also less likely to imply certainty. It could still reduce repeated questions...

The flat looks preferable only if collective management genuinely removes work without hiding costs you would rather control. The townhouse looks preferable only if the extra autonomy is real and you are comfortable holding a larger contingency fund. Before choosing, I’d put both options into...