The new American Dream should be a townhouse

Over the last few years, town homes in my city have gone from $80k to $240k and houses are a little more than that for double the space.

I approve. I own one its great. 10/10. I don't have an HOA but I do have a party wall. The roof slope in between the homes is odd (low pitch) which makes repairs in the zone between the homes hard. If you're in the market do check that out.

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