Hi M: I just read the Gunns Prop. for the year 2000 and they want another 3-1/2 years before any pmt. but I do not know if it is on leased land, my lots are in SA. I still pay my Insurance. MY 10 yrs was up in Sept 2010. Any Ideas? Won't hold you to anything just need another head to communicate with, 'wheres and why fors'........