Let's rewind a second, if this girl had flat out said, "he will not be living here."  

I'm not planning to, just was pondering the possibility of tearing one down and building a brand new nicer one that would fetch a high price per sqft in this particular community.

You know we try to be super nice to our title girls.

It seems as if that is a specific question with a specific agenda so we just ponder it.

They are ripping you off, and since the girl friend has a real estate license, I'd tell her you're going after her license if you don't have your EM back in48 hours.....then do it!

I was interested, but my wife and I decided it wasn't for us with our 2 young girls.

Although one did have an antique plate, and I'm told that if you break down in a junction people will help you more (girl in the dmv told me that).

I went there and told the loan agent exactly what the deal was. she ran our (my girl's & my) credit and was like you have none.

I've pondered this investment for 3 or so years now, in fact one of the condos was avail in 2012 and when I called to write the check/submit my purchase contract, someone had beat me by an hour or so and lost out.Cliffs notes version - some years back a group bought several of a cities dilapidated office buildings, convinced the city to give them loans, some were in the form of specials, etc - completed a few minor upgrades to the buildings, then condo'd out the buildings and primarily sold the condo's to out of state investors.  

We have separate ones for each, though we also have pondered an umbrella policy to a greater amount, like say ten million.