Here’s the context:The house appears vacant, with a large tree that has fallen on the property.From what I can see, the house seems full of furniture and might even be a hoarder home.I’ve skip-traced the property and found that the owner has unfortunately passed away.The house seems to be mortgage-free, and I’ve identified three phone numbers associated with the son, who I believe is the heir.I’d like to reach out to the son to express my interest in purchasing the property, but I want to ensure I do so respectfully while also gathering the right information.Here are my questions:What’s the best way to approach the heir while showing my condolences for their loss?

Very few non-owner occupied property policies guarantee full replacement cost - they typically provide replacement cost up to the dwelling limit purchased. 

That way you are not competing with 30 other owners for rent.

The owner, a family member of one of our buyers, inherited the property through probate, but they weren’t equipped to handle the renovation.The house had been left in disrepair for quite some time, with the previous owner struggling with mental health issues.

It looks like according to the county site (sbcounty.gov) they require all renter payment go to the active owner. 

One was purchased a  few years ago by an out-of-state owner who has decided to sell and has doubled in value.

This is a common misconception but we're an online platform where the owner chooses their own price and selects their own tenants.

You would want to look for an owner that has a loan through a bank or credit union or one that has no mortgage. 

Sounds like with are under charging our owners by thousands of dollars or they are trying to rip you off.

Generally speaking when you find more owner occupied properties and less rentals you're in C+/B class.