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Great! I'm 18, so it's new and different when people are close to my age! Oh, and I think after re-reading your post, I think that you can buy the property and negotiate a lower price as it is unapproved and would need work done to bring up to standard, in saying this however you should make...

A bit off topic, I know. But I'm curious, did you say you're 20 or 19 going on 20? Sorry I like seeing young people around here, unfortuntely no real answer to your question though. Welcome to SS and I'm sure you'll be able to get an answer out of the more experienced guys off here :)