The fee is a guess at this point, but I anticipate costs for survey, plan review, geotech and structural engineer.

Well, we requested a survey, they had 15 days to produce one.  

A survey?

To put a final end to this situation, I would get a survey done on my property which would clearly outline the boundaries and get quotes on repairing that part of the fence.

If you get a loan to buy it initially, the entire platted lot will be taken as collateral, you'd have to survey the excess land off and refinance the duplex on a smaller lot to free it of any encumbrance, or survey off the excess and only finance the purchase on a smaller lot if the seller can do the subdivision for a new legal description.

These added expenses are viewed as a reduction of the funds advanced under the loan.So, if you are making payments on money you never received the effective interest rate is higher on the amounts you did receive.Not all loan expenses are deducted, while a survey may have been required by the lender such costs are not received by the lender and therefore not in the computation.As to your question Will Barnard, just about anyone who can testify with more knowledge than the general public as to industry standards and what is generally accepted practice that the court accepts may be viewed by the court as having expert testimony in a specific area.In this case, such a person (say a closing agent who actually presents the APR of the note and closes the borrrowing transaction) testifies that a $1000 dollar funding fee is added to points to compute the APR and by doing so puts the effective interest rate over the usury rate.

A simple survey and map recordation could run below $5,000.00.

On a survey from National Apartment Association they show on a huge sampling of apartments somewhere close to 10%.

If I can't control them or know exactly where they are, I have it surveyed.

I'd like to contact the homeowner directly via mail (no phone) 60-90 days after we bought their home to see what they thought via a short survey- but for many we don't have "moved to" addresses.