As some of you may know, i just purchased my first home roughly 3 months ago. I admittingly was a pita when it came to house shopping because i wanted to be in a certain location (close to the water, and the boat ramp). And i needed a big garage that i could work from on my own stuff and sidework. Which led to me AlSO not wanting to live in an HoA. After looking for about 7 months, and signing on another house (shortsale) that fell thru, we finally saw our house literally an hour after it came on the market. Called our agent and went to look at it that afternoon, and signed our lives away lol. The house was a beautiful yellow/white 2 story 2006. Italian marble floors, hurricane impact doors and windows, plantation shutters, metal roof, bamboo floors upstairs, balcony out of the master, 3 car garage, and exactly 1 mile from the main ramp in Stuart (Sandsprit park). One catch, it was a previous foreclosure, now bank owned. And the A/C was taken, as well as the entire kitchen, cabinets and all. Even the sink lol. Yes it sounds bad, but it was a blessing in disguise as my wifes biggest wish was for a nice kitchen. She loved the thought of designing her own kitchen so it worked out well. We worked withthe bank and got what is called a FHA 203.k rehab loan. The loan gave us $15k to put a new ac and kitchen in. We ended up putting another $6k of our own money for "upgrades". We also bought ALL new appliances. Because the loan was thru the bank all the work had to be done by a lisc contractor to code, and inspected when finished by the county. All in all, here is the rundown. We paid $119k for the house, plus the $15k adds to $134k. Plus our 6k in upgrades (including appliances) we are right at $140 with a fixed 3.5%apr. and after all the work was completed, the house was appraised by the bank at $180k.all said and done with an entire new kitchen, ac system and appliances, in an amazing location one mile from the boatramp, a minute from the center of town and restaraunts, and minutes to the beach. It was alot of work, but well worth it. Heres some pics of the kitchen, i'll post more if requested.