Sounds like she has/had a solid case on her hands so if they got away with paying only medical bills, they probably would have come out ahead.

If I see a place open, I'll either take a peek or schedule a visit to see.

And I know I have alot to learn but might as well get a head start.

thank you @Mardochee Pierre very much although i do plan to flip it for a profit i would like to live there a year or two and make it a vacation rental when I'm not there and really don't want an inland house although i do notice a majority of the waterfront homes are actually just on a canal and there is the whole hones beech long beech rockaways etc... acting as a wall in my opinion.....mainly could you perhaps recommend an experienced inspector that could assist me when i visit the open house... they do provide all sorts of inspections and property information but i just don't trust them after all the whole thing is organized by some 3rd party company making a profit off the 6% commission at the auction so obviously they could be less than truthful... also any information from the state which owns the homes at this point i really wouldn't trust because i know the state can say one thing and than a local town official could come around and say oh no no you need to teat that house down etc...

I would visit the Island prior to investing.  

In this case you are ahead $109,000 over 5 years with a $200,000 investment or about 9.1% per year.Obviously, you can change the magnitude of change or the probabilities. 

i am happy to be here and enthusiastic for what lies ahead of me in the investing business.

I think what's more important with family is making sure that expectations are set and managed ahead of time.

Nothing seemed to be like the descriptions and pictures of the place that I had seen prior to actually visiting the property.From the pictures I had seen, there was some work that needed to be done sure, but it seems like they were strategically taken to make it seem like there was much less work to be done than the reality!

If it was me I might go ahead and have it sprayed.