House sounds nice. Just make SURE that any offer you make is contingent upon you being satisfied with the results of an inspection. And hire a GOOD inspector.
As for needing the flood insurance - is there some way to determine how often that neighborhood has flooded in the past?
Bandguy sounds like a good prospect, you should at least meet him for coffee. It's good to keep meeting people. And it's promising that he's a good communicator. If HC goes more than 2 weeks before he contacts you again, you might consider turning him down by just saying "You know, I really enjoyed spending time with you but I really want someone who is more interested in me." That's all you need to say.
