Submitting repair bids on Short Sales

[Account Closed]

I'm working a short pay on two loans held by the same lender. The borrower moved out over two years ago. Six months ago, when the lender discovered the property was vacant, they ordered an interior BPO. I just found out about the BPO a few weeks ago. My closer at the bank has been very communicative and reasonable but they are firm on the BPO number. They have told me that they will take into consideration any necessary repair bids and have encouraged me to submit them. For those of you who have submitted bids, how much do you include? Do I get quotes for every little thing that an interior BPO might not detect? I understand that replacing flooring is cosmetic, but what if there is no flooring? What if all the lighting is missing? The HVAC needs some serious work, so I have that a quote for that.

BTW, the BPO is 70% of FMV. Resale prices are up so I don't want a new BPO. But the margin is too thin unless I can get the settlement price lower than the BPO. Thanks for any suggestions!