I am only licensed in Texas, but the neighbor might have an unrecorded easement.It depends on the circumstances. 

not in a flood zone and i dont think there are any odd circumstances that im missing, one of the companies insists i have to insure for full replacement costs because its a multi unit property.

These offers have a purpose to outlay the following circumstances: Offer 1 – asking price with traditional financing, offer 2- offer based on NOI and local cap (what would prob be norm if they took to market), offer 3 – lower purchase price (higher than NOI/cap offer but below asking), using 97% seller financing & preferred terms (don't know what they will say unless you ask :)).Buyer Performa used for all offers:Scheduled Rent: $3,900 Tax & Ins.: $850 8% Vacancy Rate (average is 7-8%) 4% Management Expenses 10% Capx/Maintenance (I’d prefer 15% but I’m ok with this giving value add opportunities I've identified) Offer 1 – I want to show the seller what their ideal deal looks like with their asking price and how it doesn’t work with traditional financing that creates negative cashflow for buyer.Purchase Price: $400,000 Down Payment: $80,000 Loan Amount: $320,000 Loan Payment: $2,292 monthly (bank with 6% and 25year amm.)

Instead of letting the circumstances tell you if it's a good deal, look at the numbers to see if it's a good deal.

In preparation for this move we have taken a financial audit of our circumstances and see that our 401k (I have the only account now, just shy of $100k @ 40 and my wife has just begun to contribute to her own this year at 33) will not get us where we want to be in 25-30 years.

So my wife and I got married recently and given the obvious financial circumstances we had to use credit cards for our wedding etc etc etc.My credit score is not bad but I'd like it to be higher.

@Andrew Merritt Before contacting Servpro or the likes I would find out (if you don't already know) the circumstances of the death and anything that requires that level of cleaning.

What the circumstances behind not been able to get indside?

I do not see why you'd have to wait to refi your existing property, but purchasing another as owner occupant would likely be problematic unless you have some valid exception / circumstance as to why you cannot remain in the existing home for the required year.

The following Breeds of Dogs are considered Dangerous and will NOT BE ACCEPTED under any circumstances.