Six months later my insurance dropped me and here is where it gets sticky.

Get pictures of every room, the electrical breaker box, water heater, furnace, each side of the house, the roof, the basement if there is one, inside and outside of the garage if there is one etc.If the seller doesn’t want you to come do a walk-through and take pictures due to concerns over COVID-19, then have the seller take pictures and send them to you.

Should I provide my guests with bottled water or a Brita water filter or leave it up to the guests to bring their own water?

Direction Cracks that run diagonally or horizontallyCracks that run at a 45-degree angleOther signs Cracks that appear suddenlyMultiple cracks, especially if clustered togetherCracks that widen over timeDoors and windows that don't close properlySagging ceilings or leaning wallsSigns of water leakage  -------------------------------------Just annoying stuff...fun, huh?

Keep in mind that Wayfair is not a manufacturer, they are a screen scraper and drop shipper.

Right now, I’m seeing rents starting to go back up, insurance costs dropping, and even taxes flattening out.

Rock that for about 12 months and add some equity and then you could refi out to conventional so as you pay it down in the future the mortgage insurance will drop off.

The interior will need to be repaired and repainted.I've done several 1900 - 1920's and while they usually have good bones, the electrical can be underpowered for today's needs, and the water lines can be corroded galvanized or even lead.

The owner also needs to save for big ticket items that may need to be replaced every 10 or 20 years such as AC, hot water heater, furnace, roof.  

If your comps were sold by a real estate agent and you are using them to justify your price, that is like trying to sell your car at a car salesman's price instead of an owner's price.In any case, if you need to lower the price, make sure that the price drop is a decent amount versus a "drop in the bucket."