I wouldnt be suprised to find a large supply of vacant and abandoned houses in a place like that.

We have used HML's many times over the years, mainly because we do mostly spec building.

Main Question is......:: Is there someone educated enough on this situation or one similar here to advise me if I'm going to be turned down by FREC when I appear in front of them in Orlando and be ordered to wait to my case is completely over and dismissed and until I'm done completely with my drug court?

I think the main things will be:Did you know of any lead paint?

Our population projections and land available for development keep a steady supply of sellers and buyers and prices remain reachable and profitable.

Reduce your price until the supply increases.

Mainly the sellers.

What many replies are missing is your main point which was if your income potential suffers you can ride it out much more easily than someone leveraged.

While rates are increasing, that implies that the job market is strengthening, so rates may be higher, but if there are MORE people WITH JOBS in the economy, that will provide continued supply for the real estate market.Hard to get a loan at ANY rate if you are unemployed - ya know?

I agree with you in that the main benefit would be the costs associated with HML.