Hi Judy !

Being further inland than many of our coastal communities, many people (like @Judy Tagert above mentioned) don't realize that huge swaths of Pinellas Park are in fact in Special Flood Hazard Areas:The official source of these is the FEMA flood map service center, where you can pull up individual flood panels.

Judge Judy?

When the 3 of them have a spat and the boyfriend leaves, and the daughter wants to sue the mother like on judge judy (this happens regularly I am sure) then you have a tenant with no voucher who needs to move.I would run, real fast away from letting them move in  . . . however, I would bet they already live there and have been doing so for a while.  

Thanks @Judy P. and @Fasil Khananother impediment with occupied REO's is they wont finance. ive been able to get vacant REO's with financing 25% below market. with only 25% down - one could buy 4 deals by financing with the same money as cash. theoretically speaking.so unless cash deal occupied REO's come with a 50% discount from market, that, there is a deal breaker for me. 

@Judy Graff  it has been a guest house since the 1950s.

So it's not my job to hold the buyer's hand.It's sounds line one of these cases I hear on court TV, like Judge Judy.

@Andrew Judy Welcome Andrew! 

@Judy BeebeConforming loans… fha 3.5% down, conventional loan 5% down and in certain cases as low as 3% down.  

Although I had to do some title searches in your neighboring Mineral County and it's much more difficult to navigate there than here without a name and or at least the situs address.