Each municipality has different licensing and permitting requirements and "permitted work" can mean a wide spectrum of scopes from replacing a hot water heater to building an addition,  so it's difficult to group all improvements together in the same category. 

Basically, I am looking for a good lender where we might secure a conventional loan with a more conservative PMI that wouldn't blow our budget out of the water.

Dont currently invest in the market but living from Chicago all my life- I have seen MIlwaukee and a few other cities in WI continue to grow and develop their neighborhoods, cities, and counties- I see the MW continue to grow at a slow turtle rate but if you have time on your side, I would put my $ on some of the areas in MI, Racine, Madison, GB and Kenosha - Closer to the water the better --

If not you will need a very large hot water heater.

The 800 a month includes HOA, water, garbage and Insurance.

Whether you're a seasoned pro or just dipping your toes in the water like me, I'm a firm believer that our collective strength lies in lifting each other up.Nestled in the serenity of Grass Valley, I'm eager to forge bonds with fellow locals and cultivate a network built on mutual support and collaboration.

Thanks @Sarah Kensinger - this is a luxury RV lot that is gated and right on the water.

To add a 4th point if you will, more like point "3a" (it's kinda closely tied to your 3rd point), if the Buyer ever wanted to sell, the Buyer would be "locked in" to that deal for at least a decade or until the house was "above water".  

You can get “Life Proof” vinyl at home depot which advertises that it’s water proof and scratch resistant. 

Talking to residents power has been shut off to the park three times in the last two years while water has been shut off four times- all for non payment by the park.