First Purchase - Windows or no?

[Thea Linkfield]

I'm currently under contract for my first real estate purchase! It's a concrete block single family house built in 1960, with 3 bedrooms/1.5 baths. My plan is to move in, and live through a renovation. I might not be staying in the area long, so if I move, I will re-sell or rent it out, depending on if I'll want to buy or rent in my next location. I have financing through a conventional renovation loan, which includes cosmetic renovations. Currently, the plan is to have the roof replaced, complete re-plumbing, convert the 1.5 bathrooms to 2 new bathrooms, and a new electrical box. The roof estimate is $8,300, the re-plumb is $2,000 and the electrical box is $800. Bathrooms are currently unknown so I'm going to through in a placeholder of $10,000. The loan only requires $1900 down. Cost of house is $200,000, but including those 4 mentioned repairs, and excluding the $1900 down payment, the loan would be for $219,200. I'm trying to figure out if I should throw in the cost of window replacement to the loan, not replace them at all, or pay for them out of pocket at some point down the road. The 4-point inspection will happen after all renovations are done and that's when my insurance quote will come in. I understand new windows will decrease my insurance, but is that worth how much windows would cost? It will also help with resale, but once again, is the money worth the return? The property is in Jacksonville Beach.

Does anybody a good window company that they could refer me to in the Jacksonville Area? Also, all resources I read online talk about windows being incredibly costly; does anyone in the Jacksonville area have any stories about window replacement, or lack of window replacement and how it affected resale/rent-ability/electric bill?

Thanks guys, and wish me luck!