Hi James, The demand in FL still remains high for investor buyers due to location and elevated rental rates. 

Guests were walking in the elevator as me and the hvac guy were walking out. 

The more barriers to participate means a BIGGER disparity gap, more remaining in poverty, harder to elevate out, less 1st time home buyers, less buyers.

I was surprised even though the elevation is not that high (4.5k?)

Will be a great deal for them since they will control 80% of the market and can elevate rates.Not trying to sell anyone in my personal Risk Reward thoughts.World outlook has not changed.

Furthermore, the heat poses elevated wildfire risk, which could partly be why in two filings with the California State’s Department of Insurance on Thursday, State Farm disclosed it is seeking a 30% rate increase for homeowners, a 36% increase for condo owners and a 52% increase for renters.No matter what side of the political divide, in my near forty years on this planet I have personally noticed local and global warming.

The challenge for present day investors is with elevated mortgage rates and record high housing prices, the carrying costs and incentive to invest now can be restrictive. 

If not, maybe it will elevate to the level you can take them to small claims court.

I have been digging through the guidance and am wondering if anyone has ever taken advantage of the following clause regarding 203k improvement types from the HUD SFH Handbook 4000.1, pg 374:- "reconstructing a Structure that has been or will be demolished, provided the complete existing foundation system is not affected and will still be used;"- "repairing, reconstructing or elevating an existing foundation where the Structure will not be demolished;"Guidance link: https://www.hud.gov/sites/dfiles/OCHCO/documents/4000.1hsgh.pdfHas anyone ever built a new home on top of an existing foundation using a 203k loan?

The Minut alerts themselves seem to admit of ambiguity: declaring "elevated risk" of cigarette smoke.