Dear Jack W.,
I'm not qualified to answer your questions but I suggest you write or phone someone who has done just what you are intending. I don't have an e-mail address, phone number or even a snail mail address but people can't be that hard to find in Chama. Alan Loomis was a financial adviser, I understand, and his wife was an optometrist. He works for the C&TS and his wife does real estate. She works for Northern New Mexico Real Estate in Chama. I hope they don't mind my suggesting you contact them.