@Christina R., Thanks!

@Kirk R. is onto something about alerting her to your earlier intention to pay the water bill.

My partner @Brian R. and I both value our families and our integrity.  

Also, I'm sure there may be many "follow these 10 steps  and get rich quick" type books for sale,but I'm looking for more grounded approach that gives me a solid overview on the foreclosure and preforclosure process in terms of R/E investing.Any recommendations?

Based on current sales prices I'm seeing 2 beds selling around 60-80k (depending on location and condition) that rent in the range of $800 - $925. 3 bed condos selling $75k + renting $950 and upwards (depending on condition and specific locations)I know some areas in and around Ybor and a few other locations you can find old single family home for the 30k - $50k mark but the areas are R O U G H.. and come with a different set of problems altogether. 

Similar to 2 above, except using Poly Iso Cyanurate to gain a much higher R value, if that is an important consideration. 

I am a R/E Investor to the southeast of you in New Orleans, La. 

Bad if it detracts from real estate, great if it enhances family and R&R time.   

If you're going to buy a condo or townhouse though, request a copy of their CC&R's and operating budget.

@Frank R.