Is the call of the great outdoors getting louder? A cabin in the mountains, on the lake or in the serene middle-of-nowhere can be a great place to escape to. Before you start shopping, here are a few things to consider:

1. Can you afford it?
You may have found a great cabin at a great price. Don't forget, however, to calculate annual property taxes and maintenance costs. Insurance for second homes can run higher than for primary residences. Financing may be more expensive for a second home as well. Get quotes, do your research and do the math to see if you can heed the cabin's call without creating so much financial stress that you won't be able to relax when you're there.

2. How often will you use it?
Look at your number of days off each year, then think about how many you want to spend at your cabin. Would you miss the beach? Regret not traveling abroad? Be sure you'll enjoy the area, and not just the cabin itself, through most of the year.

3. Will disaster strike?
Forest fires are tough beasts to tame, and mountain cabins are often directly in their path. Although no one can predict when a fire will spark, you can find out if your desired area is prone to droughts or other conditions favorable for an out of control conflagration. Look into insurance coverage for different disasters, and add it to the monthly cabin costs.

4. Could you rent out your cabin?
In some instances, you can rent out a vacation home for up to 14 days a year without paying taxes on the income. The money could help offset the cabin's maintenance or mortgage payment. Make sure you research the tax benefits (if any) of your own unique situation.

If you decide to buy a cabin, be sure to work with a Realtor with experience in those types of properties. 

Questions?  Don't Worry Just Call Kurry Mills Hoffman at (406) 490-3448 | kurryhoffman@remax.net

REMAX Premier | 1617 Harrison Ave. | Butte, MT 59701