So something no one else has mentioned.....The BIGGEST reason you should always utilize an agent when purchasing a home is Liability and legal responsibilities.

Lender 1 would rather skip that step and explanation so it's baked into the cake.What I mentioned above is just a way to get down to the nuts and bolts of the actual "base rate" offered by the lender.  

I hire a pluming company replace a shower drain he quoted me at $560.00 He had down the initial inspection and the never mentioned anything about the shower pan being damaged.Today he came out and said that the that the drain was corroded from all the hard water and was not able to remove the drain, he them send me photos of the shower pan with a whole near the drain and the tools use to try to remove it.

@Hayden ThomasAs mentioned there are a lot of factors that come into play in this which will not be able to be answered on BiggerPockets - best to get your attorney to review and advise

You get the probate protection, privacy, control, plus the tax benefits of step up I mention above. 

I didn't mention that there was a new AC installed recently and that the tenants are new.

It could be a difficult transition as you mentioned. 

A hypothetical to see how people factor costs when rolling equity forward into additional purchases.For this example assume  you purchased property “A” for 100k, and put 25% down. 2 years later you sell it for 125k so you now have 50k (25k from your initial down payment + 25k in equity).

But then you mention fins so that suggests a regular window.

Krohn often sites an experience where he came home one night and his wife mentioned to him that they didn't have enough money for groceries for her and their new child.