SD Realtor, I will look into some older homes in the Covenant because that would be my first choice anyway. I have heard horror stories about permits and remodeling these older places. Is that the case in RSF? What about new construction there (buying a lot;) is it difficult and expensive for all the fees? It seems that Crosby, Santaluz, and Meadows del Mar are all subject to high MR. I’m looking for a community to hopefully retire and play some golf. Thanks..