Hi Lilianna,There has definitely been more movement toward Seminole and parts of Clearwater compared to a year ago, especially from buyers looking for relative affordability compared to coastal Pinellas while still staying close to Tampa.Regarding flood zones, lending itself hasn’t necessarily become “harder,” but insurance has absolutely become a bigger factor.

A few things I’d think through:Has it clearly stabilized over time, or are there signs of ongoing movement?

By using these strategies, I was able to help working families across Hawai'i get into homeownership since 2018, which started as a project that became a movement, and now a program.

For example with walls and ceilings its normal because the wood used to frame the house is drying out more and shrinking a little in addition to any slight settling movement. 

After a period of significant movement in the equity markets, many high-net-worth individuals are evaluating a fundamental shift: moving capital from the "paper" gains of the stock market into the "hard" assets of real estate.As a Real Estate Broker, I often consult with clients who are at this exact crossroads.

I often compare it with there banking situation. 

Most flippers don’t gut drywall unless there is significant water damage, mold, major movement or outdated electrical/plumbing requiring full access.I would get a professional painter to visit the home and give their opinion.

Adding to this thread....I think the math is still hard.I saw a deal come across my email late last week I dug into because I knew the market and thought the 5yr agency rates looked decent compared to the in place cap rates.I dig into the deal only to see buried in there that of the $13mil equity raise, $5mil was going to a preferred equity provider. 

I started with EJ about 3-4 years before learning about Bigger Pockets and the fire movement and I've learned a lot from here. 

The longer something sits while comparable properties move, the more I try to ask: what risk is being priced in here?