Florida is tasting some of it's own blood in their mouth with the HOI issues, the HOA issue is just going to make it work.

Below are the average HOI rates for NC by different counties.

Anyone that keeps denying this is facing the harsh reality with HOI.

One side note is the amazon download is only a 1 pc option, so you buy one per PC, where as if you ever need office on a second device you just up the subscription by $2/mo which would be a tremendous savings.Also, iCloud and Office 365 are completely separate products. iCloud handles data backup mainly, where as Office 365 is the subscription platform for all of Microsoft's products.Also, Dpeends on where you work, Ryan, But most companies have a microsfot HUP program for their employees which gives you a license to 2016 office for 5 PCs for a one time cost of 9.99.

@Kyle Kierpaul,Your numbers are pretty on point (HOI maybe a little low) but I would focus on the neighborhood and the structure of the home.

Ernest Ho - I had a problem where my sewage backed up into my house.

Meaning your down payment would be $16,500, closing costs estimated at $10,000 (4500 lender, 1500 HOI, 500 taxes, and 3500 title).

It would not surprise me to learn the HO is just waiting for such an incident so he CAN sue.

My lender requested that I need to have HOI for the house we are buying, so I went HOI Agent and found out there are 2 previous claims back in 2009 one was about $5k.