According to data supplied by the Coral Gables, Homestead-South Dade, Kendall-Perrine, and Northwestern Association of Realtors or their MLS, in June of 2005, there were 3,261 single-family homes on the market in Dade County (which includes Miami, Miami Beach, and a number of surrounding smaller cities), with 1,196 sales.

Back then ('89) the conforming loan minimum was $30K so any loan for less was loaded up with extra points, junk fees etc, and it required 20% down.

I really feel I just pay for a extra long infomercial for the "advanced" coursed they offered.

Contact me directly and I will show you where to find the data on this .

[u][b]FOR EXTRA CREDIT: How does the military person then continue to receive per diem money to pay for their new mortgage?

My name is Shane Sanders from National Data Research Inc.

I would ask questions like a data miner.

It is worth the extra money so you can get on the market sooner.

If you have good contractor estimating your rehab costs you'll have a better picture of what the costs will be, add a little for buffer and buy low enough and you should still make money even with extra expenses or holding costs.

Those things are all over the place and don't seem to correlate at all with actual value.Also, I would heavily weight any calculation I did with the remaining data to strongly favor the comps you get from the real estate agent.