I have 12 month loans @ 12% interest, can be paid off anytime in that 12-month span without penalty, but I am required to pay a minimum of 3 months interest no matter when I close out the loan.

@Justin Tahilramani what is the life span of a mobile home in terms of a rental investment?

An "investing operation" can span quite a range of activities.

Sure, in order of most resent all within a span of 1.5+ years.I don't want this list to fool you, as the market has picked up quite a bit, remodels and foreclosures are going quickly, and in most situations they go to highest and best.....still not the prices you see in Orlando or Tampa, but they are creeping up quickly1. 2-1 Block home (33813) Built 1959 size 1169 sq ft @ 56k2. 3-2 Wood frame (33803) Built 1927 size 1800 sq ft @ 45k3. 2-1 Wood frame (33803) Built 1954 size 1300 sq ft @ 33k4. 5-4 Block home (33813) Built 1972 size 2800 sq ft @ 163k