If the borrower turned to their 401k and withdrew money and still was foreclosed they suffered a pretty severe financial outcome.  

I wont go into too much gloom and doom.

Seasonality with a dwelling in a summer and beach environment or a locale where freezing Canadians travel over the winter to relax in a whirlpool, strawberry daiquiri in hand, will suffer hard in the 6 month off season.

This wont cover water leakage but this number is on the high side I feel. https://www.advancedenergy.org/portal/crawl_spaces/pdfs/Closed%20Crawl%20Spaces_Quick%20Reference.pdf

@Aubrey Page I have had luck with Elbert good of Good Electric PM me if you need a contact info BP wont allow me to post in here. 

Boyer in Gardens is the absolute best.He is my CPA and many of my clientsRachel Popper in WPB is a great RE attorney Really knows her stuffMessage me for phone numbers because Bigger Pockets wont allowHope all is well,- James

Should I take one of the units as my primary residence and homestead it and save the 1%, or should I do it as an investment, not homestead it, and go that route with a higher percentage.With the personal note, I will have to use 1 of the units as my primary residence for 12 months, so I lose out on the rent for 12 months which would be $800X12months but I can homestead and do the 3.5  Or would it be better if I did an investor deal at 4.5% and got to make the extra 800 for the first year from the unit I wont be living in.What is the best overall plan ?  

Entry wont cost $599Booths wont cost $1,000People can actually use the info they receive and start applying it to your everyday business. 

The association wont let you rent it? 

The additional benefit of having a lower sale price is that it means the property is more likely to appraise for that price and the price wont be a problem in getting a loan.If the price it above comparables, a bank will refuse to loan the amount above the value (really the LTV times the appraised value).