Financing is important but your realtor will absolutely be the determining factor whether you purchase correctly or not. 

@Adonis Williams, you've received great comments: It depends on so many things, including FICO, LTV, type of loan, etc.

Sapphire is much more of a vacation home community.The deciding factor for me was that Sapphire and Cashiers don't have a lot to do, except for golf and hiking.

I do not worry much about "hurried or sloppy work" because it is also in my contract that all work must pass inspection, which may include the city / county (for permitted projects), lender and myself.

Charge the tenants a higher rent rate and include utilities with their rent.

Do you have this included? 

I am a power user for Zoho for a number of reasons including following:Zoho CRM, truly the beast out there.

I think you forgot to include the question.

In your case, changing the property from a rental to your primary residence constitutes a change in use.The depreciation recapture will be calculated based on the fair market value of the building at the time of conversion, not including the land value.Since you're tearing down the existing structure, the entire amount of depreciation taken over the past two years will likely be recaptured, as the building's value at conversion will effectively be zero.The recaptured amount will be taxed as ordinary income, up to a maximum rate of 25% for residential rental property (Section 1250 property).

Then we look at the condition, and other factors, from there we send it to our clients that match their buy box.