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You better figure what you want first. You originally want to go to beach at Sept/Oct time frame. Which is O.K. The best they have is shoulder season, so you can have chance to rent cheaply or buy a cheap exchanger and exchange.
Now, you are thinking stay south during winter around beach area. The exchange to good FL or Mexico beach during that time will be rarely, and the rental price are often more than MF.
Find out what your goal is from now to next say 5 years. Lay down where you want to go, and ask yourself, with the quality you can live with (or your spouse can live with), what is the rent fee you are willing to pay. Then go to AAA, get their hotel book, look at these places, see if you can get these rate. Go to redweek, see if you can get AAA rate beat easily. Then you will know if you want own or not.
Since you are close to retirement, the 1st goal probably is to estatblish a live style that work within your means, then see if you want to rent or own to extend that live style.
Jya-Ning
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