A thought: am I not living in a “beach house” now? I live close enough so that I can drive to the beach — through summer traffic — in less than 10 minutes.
Parking on the beach costs $8. If I were to go every day on weekends, that would be less than $400 annually for this privilege. Of course, I wouldn’t go every weekend day. During cooler seasons, I wouldn’t go to the beach much, or at all. So the actual cost of occasional beach parking would be just a fraction of that amount, probably less than $100 annually — even if I visit much more often than usual.
If I only go to the beach on occasional weekends, in the summer only, during daytime hours only, then why not pay for just that privilege, and nothing more.
If I stay put at my current home, the cost of the beach access privilege is simply the cost of occasional beach parking. But if I move to a beach house, I would be paying for 24/7/365 beach access, including during weekdays, night times, and poor weather — when I wouldn’t want to go anyway.
The one alternative that might give me more beach access — at a lower cost — would be to “move locally,” i.e., sell my townhouse; downsize and rent an apartment locally, on the beach or within a short walking distance of it; and then bank (1) the townhouse equity freed up by the sale, and (2) the presumed savings in monthly housing costs — while enjoying the immediate beach access, 24/7/365. This is Idea 10, and if feasible, it may serve Ideas 1, 3, and 13-14 as well. I suppose I could consider a beach apartment somewhere else too, as well as locally.
So, Idea 6 is now on the back burner. But a variation of it might be considered with respect to Idea 10.