Those buying close to the city are either breaking even or taking negative cashflow and banking on appreciation (or buying all cash and parking money, ha).If you do consider Lowell, I'd also recommend you check out the Fitchburg/Leominster area as well.

I'm guessing you probably won't be able to get a bank loan with those items missing so you might be stuck with them installing them.

If your using financing the bank requires this.

Banks will provide traditional financing for properties over 50k, assuming the borrower can qualify.

The "fine print" here is fairly sizeable upfront fees and high interest rates, relative to a traditional construction loan from a bank.  

If you want a second opinion check credit karma, ask your credit card or your bank.

Like banks?

When you are dealing with community banks, they actually like to see diversified ownership. 

He makes bank !!!

Credit 700+, bank statements available, good liquidity position (almost enough in cash to purchase the property - but obviously know that's idiotic).