Last two loans I did they did an Mai at no charge and they forgot a floor plan and had to get a one off for that one and no charge.. only thing we pay for is title insurance and escrow fee and property tax's and transfer tax if any.

I’m guessing some people wouldn’t love the feel of a cold floor on their feet getting out of bed first thing in the morning?

The dark gray flooring is out of favor (I personally like it). 

You are mention the higher costs for MTR-- I would adjust the cleaning fee and add incidental insurance like Waivo to cover those costs.

Purchase price: $179,000 Cash invested: $15,000 Lived in the property for 1 year.Knocked down living room wall, replaced Hvac, floors and gutted and remodeled the kitchen, attic insulation, converted the living room and the dining area into rooms.

Updated flooring, changed cabinet hardware, updated thermostat.

Most people would spend a minimum of $25 PSF for a light remodel- replace kit cabinets/counters, floor, paint.

I'm so over paying $200 in cleaning fees in suburbia America to have a list of check out instructions.

It felt like a no-brainer for the value of the land, but being able to utilize a traditional mortgage because there was a clean yet simple 3 bed 2 bath house on the lot made the deal even sweeter!

Clean, friendly, activity rich and lots of employment driving growth as far as I found.