I would prefer to have a home warranty in place over paying for the inspection...just peace of mind...even if home warranties are crap...which they kind of are...

So many times I see agents doing an open house for other agents and don't know crap about it. 

I've done some crap deals that turned into a total bust. 

And especially if it's a piece of crap that needs another $20K worth of work.

Crap loans are offered by tons of lenders out there and all the same.

Those shower wall systems are over priced crap.

I could do all that because I saved every penny, didn't have student loans (thank you community college and all my credits transferring to my actual college), and didn't buy crap I didn't need.So I think without time, money, know-how, or "much going for you" -- you need to figure out what your ultimate goal is and then start working towards it.

The condition or effective age is.   30year old property can be beat to crap. 

Ok so add 1% to interest. add a crap load of monthly  repairs. sprinkle my kid's college fund for reserves and see if it makes sense... lol. 

C - C- is always a crap shoot so the only thing you have is your screening standards.