I run the mortgage department for Central Bank and if I can be of any help give me a call at 573-348-2761 x 2471 or x 2241. You are getting some good advice. Jane is a good person as are a lot of the realtors here. Get the inspections. talk to the neighbors, like was stated before the rules are pretty loose. Encapsulated docks are the way to go. If you don't want the maintanence then a condo is the way to go.