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Bob is discussing a potential home purchase in Camden, New Jersey, centered around a land lease agreement. He outlines the structure of this deal: buying a smaller, decent-quality home with two bedrooms and one bathroom for approximately $100,000, which he can mostly pay upfront, avoiding a mortgage. However, this arrangement includes a monthly payment of about $800 for the land lease, functioning similarly to a homeowners' association fee. Bob views this option as a balanced alternative to renting, which would cost him between $1,500 and $2,000 monthly, or committing to a traditional home purchase.