Obviously this is all “Google lawyering’ and your local lawyer may say you’r screwed.

But also, don't want to screw up the transaction as I've never done a FSBO before.

This is a great insurance company and I have a great policy so I don’t want to screw it up.

Honestly, I've been getting screwed with some big ticket issues (related to HOAs, selling different properties, continual unforeseen maintenance and costs) and this one really crushed me once I realized it was an actual issue.

I live in MN and we don't have time to screw around or our busy season is over.

A homestead usually helps with lowering taxable value, but it's kind of screwing me over in this situation.

Na screw that.

I've just seen too many unrepped buyers who think they're getting a discount by going directly to the listing agent, but they usually actually leave money on the table or screw up in one way or another without even realizing it (negotiating poorly/ not negotiating at all when they should, paying fees the seller typically pays, missing deadlines, misinterpreting inspection reports, not getting a sewer scope or radon or other things like a meth test or structural report or consulting a lawyer when appropriate, selecting most recent mill levy instead of prorated taxes for last calendar year when taxes went up 30% since last year are just a few examples I've seen personally).

Even if you screwed up 1/2 half of the liens you bought you would still be way ahead of paying them.

You are screwing yourself out of rent raises.