Also did an overall financial review of all of our assets, stocks/bonds, farm ground etc. 

. $15000 is the least expensive points/title/appraisal cost for hard money of that size but you may also have bonds, new impounds, and the risks that your FICO is lower from use and inquiries bumping the rate higher.

Plus we recently put up a lengthy series of Did You Know About Navarre because as Sean pointed out above, Navarre has so much upside potential and so few know about it!

Historically, municipalities have often opted for #2, often because their hands are mostly tied on #1 due to various contractual obligations.One quick way to check that, which should be followed up with more extensive research of course, is to check Moody's/Fitch/S&P reports on the municipality's bond ratings.Surprisingly, in Woonsocket's case, while it's still a "junk" bond it was recently raised a notch which is good (another, similar report).The big question is, what is the trend?

Data, such as bond ratings and debt structures, are never stable.4.

@Rebecca E.Are you just holding cash, buying bonds, putting cash in ETF?

They don't include housing (nor stocks and bonds) nor insurance in the CPI, which I think makes inflation look better than it is.

I know this is super lengthy response, but your question really struck a cord in me (in a good way) and I wish you the absolute best in whatever path you choose!

It doesn't matter if you're the homeowner and you do less than three a year, you controlling the construction process for a product that will be sold to a new buyer, and the state wants you to have a bond and insurance to protect that new buyer if you screw it up. 

I like to look at tax foreclosures as super profitable short-term bond investments rather than buying property since most do redeem.