How are you figuring less than $900/month including taxes?
Because if someone only put down the minimum 3%, which would just cover their side of the commission for their agent, and you were firm on your $137,900 and got that, they would have a mortgage of $753/month, not including PMI which they would have of course because they didn't put much down. That only leaves less than $100/month for taxes, and of course property insurance.
I'm just curious is property taxes are ridiculously cheap down there or what, I mean I know this is a lot of house for the money, but just didn't know how you came up with your numbers.