I need to nail down the numbers for renovations and find out if the money will stay tied up.

He would be much better off selling 5 less-expensive policies than trying to nail one big one and get nothing.I disagree about buying term insurance.

But we nail up 1x3 or 1x4 strapping & we do the mudding ourselves.

He pretty much nailed it. 

Since that area is affected by hurricanes (like the rest of Florida), you should preferably buy block houses, and get a wind mitigation report that will tell you if the "3rd nail" has been installed. 

Yup Gregory, you nailed it exactly.

Just had a couple of kids sell their farm & got nailed with $11,000 in NEW code requirements/upgrades.

You nailed it. 

Think of it as vacancy-same thing; it varies and % nails it down better. 

While it's typically mom and pops and not nationals, which are preferable, people always want to get their nails and hair done somewhere.