Finally, after putting in extra hours of overtime at work, you are in the position to purchase some property. After lots of looking around and trying to sort out a budget, you have found what you think is the dream apartment. It’s the right size for you and has a good location not far from the coast. The one snag is that it will require some upgrades before you move in, but that’s no problem as you are a carpenter by trade and have friends with other skills willing to