My two cents:  1)  @Tim Swierczek is correct on Minnesota landlord law, landlords are not required to pay a specific utility per se. 

High Cash Value Life Insurance is not an investment, per se, in itself, but a way to put money in a bank account with amazing yield.

In many cases they stick to certain geographical areas (to provide their se).

It generally takes time to process collateral, meet state requirements, address securitization matters in replacing any loan and redemption periods.As Jon mentioned, you can't value a property based on a loan amount per se, but you can in some cases come close to what money a lender may have in the property.

That should put you in the 35% tax bracket not to mention the SE taxes.

@Joshua DorkinIt may be time for a "down east" (meaning south eastern NC) or maybe "SE NC" or "coastal NC" subgroup for NC.

You mention it was in SE between Nationals Stadium and the new soccer stadium, but that description would put it in SW I think.

Don't forget to set up key words that will help you se blogs discussions, where you can ask questions and get answers, good luck  

@Jeff Rabinowitz After reviewing the file upload procedures and T/Cs, I agree -- here it is courtesy of C & P:OPTION AGREEMENT FOR PURCHASE OF REAL PROPERTYTHIS OPTION AGREEMENT ("Agreement") made and entered into this ____ day of _________, 20__,by and between ______________________________________________________________________________,whose principal address is _____________________________________________________________________,hereinafter referred to as "Seller" and _________________________________________________________________________________________, hereinafter referred to as "Buyer": W I T N E S S E T H: WHEREAS, Seller is the fee simple owner of certain real property being, lying and situated in the County of ________________, State of ________________, such real property having the street address of:_____________________________________________________________________________________________WHEREAS, Buyer desires to procure an option to purchase the Premises upon the terms and provisions as hereinafter set forth; NOW, THEREFORE, for good and valuable consideration the receipt and sufficiency of which is hereby acknowledged by the parties hereto and for the mutual covenants contained herein, Seller and Buyer hereby agree as follows: 1.

They are, per se, typically fairly complex and therefore only an expert should be consulted and not some forum.