What I see is typically in the $3k - $6k range for those types of properties.

The carrier rating for Obie policies range from A+ to A-.You are probably aware that many carriers are leaving the State of California due, in part, to the significant regulatory challenges they have with making adjustments to their products that the state always has to review and approve.

These range low 500s to the mid 600s.

@Carlos C.Mark Kohler is well respected in the industry.

Do you have a price range and are you looking for turn-key properties or something along the lines of a "fixer upper"?

Also, they were very respectful.

I'm happy - the floor plan is exactly what I was looking for - tri-level 4/4- which is hard to find in the price range I wanted.

You sound like the brave side of the coin in that you did due diligence and respected the process.  

And of course, getting financing squared away is key so you know your price range, which will help narrow down locations and strategies.

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?