. - Ask for the cincinnati port authority grant- from whichever lender you use, that grant paid my entire down payment so all I came to the closing table with for a $175k house was $3200 in closing costs - To qualify you must have 700 credit score and not make over $100k.  

He has poor credit cannot get a loan.

My assumption for the impact - depending on how bad it's gonna hit.Even though Tampa is more prepared for storms than Texas(Texas has only 15% of owners insuring for flood damage !

If you have to put everything on credit cards so you can pay your Contractors, or find a small loan for it, go that route.

And with a cash-deal it’s not like you worry about DTI, credit scores, etc.  

At some point values will not move up year over year but there will not be a crash like 2007 because that was caused by easy credit then the collapse of the credit markets.

Hope you're preparing yourself for the storm coming.

We have excellent credit and are looking at 15 yr fixed rate.  

I have 4 credit cards of $50k line each.

Also, be prepared for political instability.