Some shady title companies will try to exclude so much from their policies that the insurance is basically worthless. 

(Assuming your personal residence is in top condition), then review pictures of those sold in your area over the last 90 days, basically, do your own analysis, and provide that to the appraiser.  

Basically prices are going up this time because incomes are.  

I chose to wholesale to start of with like everyone else basically.

Concrete:  $75 a yard installedBrick:  $.50 per brick installedpainting:  $100-150 a room with trimexterior painting: $1800-$2500new hvac : $2300new window:  $100-$150 for standard sizes x 2 for installdrywall : $12-$18 a sheet finished (depends on finish level and size of sheets)tile: $5 a square foot installed (add material cost of between $2 and $10)basic stainless appliance package : $2500hardwood $2 a sq. foot installed $1 a sq foot to refinish (add material cost of $2 to $10)plumbing:  $100 per fixture to install and $100 per fixture rough-inelectrical: priced per outlet and per fixture for both rough-in and installTotal rewire of house:  $3K-$6Kupgrade electrical service:  $800Total replumb of house with pex (no slab): $2K - $5K10x10 set of cabinets no frills:  $2500, about 1 day for a capenter to installcountertops: $1500-2000new roof:  $5K (metal including materials)deck:  $2K-$5Kbulldozer/bocat:  $80 an hourdumptruck:  $1.50 per mileCarpenter:  $35 an hour low end + $10-$15 an hour for helpers. 2 carpenters can frame an entire house in less than a week.  

Good Afternoon,I have what is likely a basic question, but yet I am stumped on what the actual answer is.My question is ......

Question 1: see aboveQuestion 2: Refi with a 30y loan and pay 200 extra towards principle (17 year loan at that point), or a 20year loan, no extra.

I live in a town about 10 minutes from Mankato, MN which is around 60,000 people if I remember right, and basically has everything, plus quality investments!

Basically you plop down a big metal box next to the house that has both a gas furnace and electric A/C in it, and two big holes in the side for the supply and return ducts. 

Im not talking interest for the first 7 years, followed by paying down the principle the other 23 years.