Account for all costs, including closing fees, holding costs, and repairs.

What they will offer you is an appliance package, or closing cost help, or a low fixed rate loan. 

I do plan to consult my real estate attorney who handled the closing but this is his busiest week of the year, so I definitely don’t want to bug him with something that isn’t extremely urgent until after the New Year.

My main goal is to find something relatively close to the DMV area but without the DMV price tag.

When my loan was not going to close, it was one of the options that my broker and lender told me about and actually referred me to for a conversation.

No one pulled a payoff to confirm the balance or looked at the latest statements before closing? 

I'm an Architect and MRED Grad and have entitled and permitted over 200 units across Bay Area and Norther California, ask me anything about SB9 or ADU design / permitting

@Mitch Davidson I purchased a property recently and closing in May.

I have others that can close in just a few days, if that's your priority.I'm happy to share my experience both as an investor and as a lender.

You could get at max 70k from that deal (minus closing costs).