@Don Konipoli can have some sympathy for #4, since it's drilled into everyone now that you can't advance in any field unless you 'have a mentor' - so i try to redirect those into an old-fashioned pursuit called 'making friends' or, not quite as bad, 'networking.'

Your heart will be pounding so no need to stress yourself out further. 3) A box clipboard might be useful for not only a solid writing surface but also to hold phone, calculator, or other items as you don't always have much wiggle room to rapidly put hands in pockets or handbag and back again (it's a bit of a body pack).4) Make sure you budget extra time in case you win because you'll be racing to the bank and back.5) If bank isn't within walking distance, you may want to take a rideshare or cab to the bank and back. 

I'd need to know more information to determine myself if I were assisting you (hypothetically, of course, since we aren't allowed to advertise our services through this medium), but from the surface level it does sound like you do qualify for the 121 exclusion.

You can't have plywood as your wall surface in a kitchen.

In a similar fashion, if you can imagine how much landscaping and underground infrastructure is in a golf course as compared to the clubhouse, that will give an indication of why an extremely high percentage of the property's value is allocated to the land improvements.

The more monthly debt you have, the lower the purchasing power.You also don't have much for savings, there are often surprises when owning a property that you should have some reserves for.I'm not a financial advisor, but on the surface, I would sell the car for $15K, put $7K towards the credit card and the rest into savings.Also, with the $7K in credit card debt, you need to ask yourself "why do I have this debt?"

We still like the old fashion long-term rentals for the consistency and reliability of income.

They seem to require high quality materials and  craftsmanship to maintain a level surface.

Mold grows into a surface mildew grows on top of a surface.

In a similar fashion, if you can imagine how much landscaping and underground infrastructure is in a golf course as compared to the clubhouse, that will give an indication of why an extremely high percentage of the property's value is allocated to the land improvements.