@Alex Hamilton @Wayne BrooksDonations to 501(c)(3) organizations are reported on Schedule A (Itemized Deductions) and reduce your taxable income dollar-for-dollar up to certain limitations dependent on your income level, type of donation you are making, and type of organization you are donating to.

So biggest impact is, a good item to run fear-news on for a bit.

Then after the inspection he goes over the report and revises the estimate based on any new information that comes available or big ticket items that may have shown up.

For example I've looked up items like that using the census bureau data. 

And if Social Security was a) not borrowed against by the government and b) payments not expanded to included other items would be self substaining.

This cost of debt comes through where people have to borrow to afford the item, like a car, or business Capex and of course, a home.

Got some numbers from a hard money lender who had me itemize and budget me reno.

And while they DO happen, smaller items are far more common and those should be easily handled if you have the systems and team in place.

My plan is to chip away at these items as needed, keeping about 20k reserves for this in the next 5 years. 

The appraisal will uncover if any items need addressed prior to meeting property conditions per agency guidelines (FHA or Conv).