I HATE extended warranties.

You should put money away for cap-x and repairs, but also look into detail on the builder's warranty.

Inspection Costs - $400 Lender Fees - $1,000 Closing Costs - $2,000 Mortgage Payments - $2,500 Property Taxes - $600 Utilities - $1,000 Insurance - $200 Commissions - $4,000 Selling Closing Costs - $4,000 Home Warranty - $500 Termite Letter - $100 MLS Fees - $100 

Does not mean he is wrong or that his opinion is not valid.

He threatened me if I'm not paying him he gonna put lien on my property, I've never encounter these thing in my whole life...He seems very cold blood and likes to take his client to court or put lien on the property, looks like he had done these stuff many times in his career...I just don't suggest you to work with him for the below reasons:1.He is never willing to communicate about the project progress and he just notify you that you have to pay for next-phase otherwise he will STOP the work and take all the stuff out2.He will never take responsibility on warranty or the stuff he had done, if you ask, that is all your fault, and you have to pay your own bills3.Finally if nothing of these lightly threaten works, he will say: "I will give you 3 days, if you don't pay me, I will put lien on your property, I will take you to the court"I never done business into this situation in my whole life, but it looks like that's how Robert Mincey makes money and if you work with him, you will probably end up like me with tons of sleepless nights...If there are any chance, in the future I will post my whole experience while working with him.Hope this helps!

Additionally, the "implied warranty of habitability" obligates landlords to address pest infestations unless they result directly from tenant negligence.Lol how do I even respond?

The IRS partially validated it by saying it is taxable, but they also tax illegal earnings.

Let one Tennant hanging with defective outlets in the kitchen for 2 weeks when the townhouse was it was under warranty.

Even if OP can complete a purchase in Cleveland with $23K, aside from valid concerns others noted about reserves, is the risky asset in a distant market really the best place to invest?

Usually an appraisal can be transferred to a new lender, so as long as it wasn't completed 90+ days ago, it should still be valid.