Got my backyard landscaped finally after about 2 years in the house. Went with silver travertine on top of the existing concrete patio and extending it to the planter, grass with a travertine border, raised flowerbed (which we need to paint the stucco face) with a travertine cap. We just looked at rocks today and I think we are set on river rocks to cover the remaining dirt. When it's not so hot we will plant something and maybe get a tree or two. Now I can start paying it off though ? we got a home equity line of credit with a low rate for the first year, so that's our timeframe to pay it off.