I was strictly talking about my cash flow year to year.

The finishing panels that go on the ends of the on-the-shelf are horribly cheap, the buildup is too thin and the self-adhesive is a joke.Considering the price difference, I won't go the off-the-shelf again unless we're talking some tiny section of counter that needs to be added, an island, etc.

You need to talk to a mortgage lender in your area.

I'll find out more tomorrow after talking to the county but was just curious if anyone has a general idea of the cost?  

LMK if you want me to set up a search  for you like Bill was talking about.

I really want to get a local, first-hand homeowner with some experience to talk me through the complicated flood and wind insurance that is required down here.

I am planning to go and talk to this guy now but I don't have high hopes.

I get excited now, when I have the chance to talk to someone with much more knowledge than me!

Feel free to send me a PM to talk more

There are a hundred things you could do to find deals, but mainly, just start looking and talking to everyone you know!