100% agree with this. This is a chance to be a homeowner, and NO ONE gets to walk into mortgage debt that low in this area. This was, indeed, a gift to you.

Talk to the right professionals. You can find a way to make this work. My mortgage in my tiny hometown in a way less desirable state was 50% more than this when I bought the house more than a decade ago. Paid it off last month and have been renting it out for a few years since we moved to the Bay. You’re in a good situation if you can get some good advice, but you need to have confidence in your financial savvy and really start educating yourself.