Looking for recommendation for a spot builder in Largo, FL.Demolishing current structure, building new home on parcel.Cash investment group.

If they have structures but were incorrectly assessed as land only, then the taxes were too low.

In that scenario you would pay 8-10% private and 10%-15% for the capital.Some people do a 50/50 JV with a money partner.Lots of ways to structure it. 

Doesn't matter where it is or how you structure it; if you physically live in the building, you won't get anything other than an owner occupied loan on it.Advice is move out. 

The structure and roof are in great condition and the property has been very well maintained.

Is good at structuring owner finance offers, what would you do here Shawn?

You could try a piggyback loan where the loan structure is 80/10/10... 80% first mortgage, 10% second mortgage, 10% cash down payment. 

They’ve paid $30k instantly twice on two toilet supply line flood claims at two different homes. 

It's easy to say that these are supply constrained environments and that rent growth will continue to take-off but the truth is, so many are already paying 30+% of AMI on rent.

He should have run a prelim title report to identify junior lien holders, as tour your offer may have to be structured differently to deal with them, ie. lower purchase price as you may have to contribute additional cash to satisfy am junior lien.There’s too much to learn for You to know everything involved.The list price is irrelevant, the price the bank will eventually accept is what matters.Worst case, get a contract executed, provide a legit POF or preapproval, see where the bank comes back.