Here the closest you will find to basic "code" stick-built house in a modular home would be a prefab home {one step above mini-home / mobile home which comes in two halves which are bolted together on-site}.Even the cheapest modular construction available here is more energy efficient than what most of what are being built for spec homes.The point I was attempting to make in my earlier post is if you construct a high-efficiency stick built home and a modular home of the same efficiency (apples to apples), the cost difference would be moot ... the modular home may even be less expensive.

One can also go on any number of sites & learn how to perform a root canal without the aid & expense of a dentist.

Feel free to use keyword alerts to aid you in finding people in your target area. 

.- The closest stores/shopping areas/neighborhoods are 3-5 miles away.Concerns:- Lancaster has a high crime rate (higher than in 87% of U.S. cities).- The land is surrounded by large, unkept, and vacant lots for miles.- The land is on the outskirts of Lancaster. 

Hopefully your deadbeats are not as smart as mine using free legal aid to string this out.

Wayne is the closest answer, nice @Wayne BrooksThere are two parts to FHA financing and mortgage insurance theres the upfront mortgage insurance premium (UFMIP) and the monthly mortgage insurance (MMI).The UFMIP or 1.75% upfront MIP is typically financed into your loan at closing so you dont come into closing with these funds ($1750 dollars for every 100,000 loan amount borrowed).Then its .85% annual MI thats divided by 12.

Of the predictions received by the submission deadline, @Jon Klaus was the closest with October 21, 2014 (off by approximately 36 hours).Though I appear to be off-the-hook for a membership renewal, I have sent Jon a consolation prize which he should be receiving any moment.

My finance experience doing buy-ins, DCF with repairs (added capital) will aid me in property valuations.

As an attorney, I have seen even the closest friends (and family!)

If it is a term lease, she is **** out of luck. sounds like she is pulling a fast one, and trying to benefit from a shortage. many municipalities have free legal aids for tenant landlord issues. seek one out, as she is likely not within her legal rights to tell you to leave.