Interesting meeting with the Volusia Country Association for Responsible Development.  They had the University of Florida and our Property Appraiser Morgan Gilreath, Jr. assess the real estate market.  The Greater Daytona Market tax roll value has decreased by 25% for the first six months over 2009.  If you own, bad, if you have cash, good.  It's my opinion we will never see commercial real estate values lower.  Better yet, if you can find owner financing of retail, office or industrial property you avoid loan costs.  Apartments are rebounding and in some cases offering returns above 10%.  Their are several good  one on the market.  Give me a call to discuss.