I see others selling cheap Florida land on eBay and holding the paper, but it appears there must be corners being cut.

I think I will probably go the route of buying an iron cast Kohler Villager tub and using a cheap matching fiberglass surround that I could later replace easily if I wanted/needed.

Maybe at lease renewal time give them a cheap month IF they pay on time every month AND have taken care of your property like you would have.

I bought the property super cheap, the only debt on it is from my construction costs.  

Nobody has ever thought they looked cheap.

There is a reason its so cheap.

personally, bruny, i am of the nature to try to get something as cheap as i can get it. its kind of a " i win" stragedy. lol. the better i do, the better i feel about it. from the the numbers you listed, $162 seems ok. they came down $27,000, you offered $59,000 less than original. my guess is that was a lowball offer for you. most banks aren't going to settle for a lowball offer anyway. i think i would come back at $150,000. you have come up a decent amount and are willing to assume other liens on the property, and you would be offering a reasonable amount to the bank for it. sure, they came down further than you went up, but if you add in the other liens, i would bet you pretty much meet in the middle

If it's one of those cheap metal ones, then no, don't insure it. 

The good ones price themselves out of my budget and the cheap ones are insanely unreliable.  

The land is cheap and in a good area.