I enjoy making a game out of saving, find new and better ways to be frugal.I also am not in debt, I am however going to get a lease on a car, because unfortanutly I need transportation to make money, and I don't have nearly enough money to buy a car outright.

Besides school public transportation and safety obviously?

This includes the cost of raw land, each lot having city water meters, septic tank, electric, the transport and cost of the mobile home.The current market for selling is approx $50/sqft and rents are $900-950/mo.For a 28x76 $44k investment I'm estimating a sales price of 105-110k sales price which is a 60-65k profit per lot.On renting I would get the 28x76 for $36k.

The 1 - 10 comes from some factual research (ie crime stats, school quality, transportation, etc) but it is also largely, heavily influenced by how I feel when I walk or drive through the area at daytime and in the evening.When I am really conflicted about a particular rating I sometimes add a + or - modifier to the letter, or use a decimal for the number.

The fact that you can live in near NYC for that little is an impressive feat IMO.Another thing to consider is your transportation costs.

However, I do believe this will change because of its proximity to venues mentioned above that attract many visitors to the area and ease of public transportation to the city center. 

Lots of access to public transportation and there are some very nice areas within 1-2 miles.Obviously, I would have to take the good with the bad.  

The business purpose side of this industry (where 90% of HML's reside) is largely unregulated @Vinny Gaines, and state law not withstanding, lenders are generally free to loan under any criteria they want.

That's everything, housing, food, clothing, transportation.

I am, as strongly as possible, urging you to NOT buy a condo anyplace in Florida, or into any home owners association or property owners association of any kind.The state of the economy there is terrible, condo associations can and do both often do not have high initial assessments, to sucker people in, then a year or two later, the dues are raised by large amounts, do not keep and constantly contribute to a reserve fund, so when repairs are needed, the money is not available, and if emergency, assessments have to be raised again, the boards are not regulated, there are control freaks on the board (and off) and the ccrs aare often enforced to various degerees-not fairly and evenly, and the management companies are unregulated.