There are a lot of variables here still to consider, but you are off to a good start.  

There are also variables of getting a sfh and renting by the room, buying a 2-4 unit multifamily, and renting via long term lease vs short term rental that will determine your net living expenses.

Awesome idea for homes in the north because they can even close the water supply if needed.

I think Education needs to be put out on how to evaluate land deals I have looked and there is not much out there.I say that to say that I don't think slowing down expansion make affordable house, it actually makes it more expensive because the supply is being limited.

I believe a typical commercial loan will be at 65% LTV... but in the commercial world the lender may allow a seller carry back of some or all of the remaining 35% with a 2nd position loan/mortgage/lien.Things to know about commercial loans... they'll have shorter amortization (generally 20 years versus 30 on residential)... higher interest rates (generally a full point higher)... will be variable versus fixed... and will likely have a balloon payment.I don't know of any Florida realtors but you want to look for a commercial realtor. 

Insurance companies have formulas for calculating replacement value based on a handful of simple variables.

They are brand new never used homes.They are fully furnished, pots,pans etcI realtor told me about them but he is representing a group who bought a ton of them so he wont tell me what oil company they came from.So I am trying to find out how i can get ahold of a few of my own homes.Does anyone know what company to contact.I have done a couple of google searches on it but didnt find anything.I recently bought a park and could use some homes to fill it up.ThanksTravis Since it is very likely that either Champion or Fairmount supplied some or most of the homes, I would call the Area Manager at the plants nearest to the field and see what they can supply in the way of contact information. 

You mind explaining the financing you've used.For this property I used a private money lender who funded 90% of the purchase and rehab and I supplied the rest.

But keep in mind there is still a ton of competition for cash flow assets and very limited supply in some markets. 

Fire systems in my neck of the woods require their own supply from the water main.