It's a long road ahead for my market.

So you have to do the math ahead of time...

I'm excited for you and the journey that lays ahead.

At that point, I believe I would have 20% equity and I could then go ahead and can refinance to remove the insurance fee.

If it’s truly 4 years old I’d skip it outright or go ahead while occupied if you want to feel good about it.

Just a heads up.

Particularly if you owned the property for a long time, much of the capital gain is due to inflation and should not be taxes.David KrulacBigger Pockets Podcast #82 yup U see this often made rush to close and settle for a not so great deal.. 

My loan officer (I know...) said that people will let title know ahead of time and then complete the deed transfer immediately after closing.

So, go ahead and find a cheaper vendor - guarantee you can find one.But, most won't be licensed and insured to protect you from lawsuits.Oh, and what do you think your chances are of getting a cheap vendor to come back and fix something under warranty?

Perhaps I am getting ahead of myself, but  what happens when you sell this property and a defect is uncovered by the next owner?