Dear Quentin,
I’m a 46-year-old woman, and single mother to a 14-year-old boy. I bought a centrally located house in Miami after the housing market crash in 2010 for $ 167,000. The house is small but has a big lot in front of it, and I currently owe $ 128,000. The house is now worth about $ 400,000.
I have an annual…