The area is a harbor with a beautiful beach, seals, whales, otters and  lots of tourism and mixed uses.  

You're right, summers are beautiful there and plenty of people travel there for fall as well.

That’s a beautiful area and less touristy than the TN side of the Smokies.

Is it true that Buyers Agents work harder than Listing Agents?

This is especially true for private money loans, where lenders may want a clear picture of your assets, liabilities, and cash flow.Your credit report and tax returns are crucial, but a well-organized financial statement can strengthen your loan application, showing lenders that you have a clear handle on your financial situation.

I plan to invest in nj where house appreciates well. how to do I find the true appreciation rate for certain towns ?

Which is true - but the refi is going to cost you $3,000-$5,000 in closing costs again - which actually moves you backwards by a couple of years to recoup those costs at the $200 more per month you will make once rates get back down to 5.x%.My bet is that unless you can find some seriously undervalued real estate that your numbers won't look pretty at 8% interest (all in).  

But that’s not necessarily true for the spring semester which starts mid January.

It’s true that not being able to drive can make things a bit more complex, but you can definitely find ways around it.Using rideshare or public transportation is a viable option, especially in areas with good transit systems.

For added perspective, Philadelphia's true class A neighborhoods trade for more than $250K per door so there's no shot you are buying true Class A or Class B buildings with your budget.