Sometimes you just have to wait and stack up your chips..

I would consider the "luxury" vinyl plank as it is more resistant to water won't chip off under normal use like tounge and groove laminate. 

If you are having issues finding them though, I think it is absolutely a smart move to stack your chips so that you can act quickly when you do find one.

While still functional the vanity is starting to show chipping and signs of wear and tear.Toilet:  Medium - good here.Shower pan - Medium - good here.Shower Head - went cheap and had to replace too before we went high end - good ever since.Tile floor - cheap - good here.Make sure you have a ceiling light / fan combo - steam from shower will beat on paint.Other items - Insulation - sort have been doing it in pieces. 

She has issues with bird poop outside, stairs chipping due to water and impact, puddle in the garage from sprinklers (it's the size of my cell phone and not always there).

I read somewhere that allowing previous owner some time (like 1-2 months) to stay on the property while he look for a new place is a bargaining chip I can use to get him to lower the price.

I might chip in with 20% of the capital. 

Do you have trouble with it being chipped or broken because someone dropped something hard on it? 

It really is nice knowing everyone will help out. this is my first post on a site like this and everyone chipped in and made me feel good about taking the small steps.

We all are good neighbors and chip in on any repairs (none so far) and snow removal.