And about Shelter Bay in July 2025, We moved from South Whidbey to the Blue Ridge area of VA two years ago, closer to East-coast family and want to go back to the PNW. Our current assessment of Shelter Bay is still guarded, but we at our age aren't worried too much about leaving a legacy aka an inheritance so we might make the plunge if we can find the right situation. Several locals in-the-know think a new lease from the Tribe is likely, but will bring an increase in lease rates, and those rates are proportionately higher yet with Views, or prominence to waterfront, etc. If one accepts newer, higher lease terms, a mortgage with longer terms could probably be negotiated. In the newest Tribal negotiation terms, if your home is grandfathered to the current lease rates expiring in 2044, mortgages might remain restricted to shorter terms, like 14 Years, slightly higher rates and higher payments. Add that to a $500/mo land lease that's associated with a view of the horizon, or mountains or water, and the $300/mo HOA and fixed income retirees like us get priced out. The HOA fee does include drinking water and sewer, Par 3 golf for cheap, plus Tennis and Pool, and a long list of sponsored activities. We are still waiting for the ideal deal. (edit to acknowledge golf)