Heating costs go up in winter, as does electricity due to the reduced natural light and more people indoors.

If you can hit those numbers you are doing awesome. 

Insurers are looking at more than terrain, it's building, materials, electrical, plumbing, and roofs. 

When we first bought used 20 foot were around $1,800 to $1,900; moved up to $2,200 then Covid and supply chain issues hit. 

I have decent liquid assets but they would take a huge hit dropping 10-20 percent on a 2 million + loan.  

In this study, new construction is defined as a habitable structure requiring load-bearing features and MEP utilities (mechanical, electrical & plumbing)Below shows which cities have had the most activity:Question: Do you see activity increasing for the rest of Q1?

Foundation, Roof, Plumbing, Electrical, HVAC. 

Depending on the repair (reroof, new electrical system etc) reputable and solvent contractors can be open to being paid at closing.There are also third party companies such as Curbio that can be a fit for this situation.

Both homes are owned by the same family that have hit financial stress and they dont want it to go into foreclosure.

Thanks The older homes usually require some sort of updates to the plumbing/electrical to get a decent rate if you are wanting replacement cost.