@Guy Gimenez   on those 4 properties I bought yesterday in TExas  there were surveys on each one.. why do you do survey's on what looks like lot and block descriptions..I understand survey requirements for the properties I buy in Charleston for example because the plats are from the 1700 to mid 1800's small little lots with lots of encroachments.

My banker is noncommittal until he sees the survey and elevation information, but I think I want to pursue this even though it is low lying and may start shopping the Fannie/Freddie lenders even though this may be small fry for them.

The most authoritative vacancy & rent survey for the Denver Metro area was just released by the Apartment Association of Metro Denver (AAMD) for 1Q 2016, and since BP'ers are such data driven individuals, I thought I would share.Here is 200 pages of all of the data you could imagine.  

I didn't see the garage issue, use type easements won't cover encroachment of a building, you may need some fancy surveying, a minor sub and conveyance or remove it.

How long from survey to certificate of occupancy did it take?  

Much of it seems like costs I can't do much about but then there's a section that says "services you can shop for" and has a list of costs:Services You Can Shop For $4,021 Survey $350Title - 24 Month Chain of Title $250 Title - Anti-Predatory Lending Database Fee $150 Title - Closing Indemnfication/Protection Letter Fee $75 Title - Email Fee $25 Title - Endorsements $500 Title - Lender's Title Insurance $1,028 Title - Settlement Fee $1,600 Title - Title Insurance Services $3 Title - Wire Fee $40 Since this is my first mortgage, are the costs of these fees pretty similar everywhere?  

Rising operating expensesSource: Marcus & Millichap 2009 Real Estate Investment Survey

Metro Denver’s average apartment rent reached a record high of $1,371 in the second quarter, according to a quarterly survey from the University of Denver’s Daniels College of Business, Colorado Economic and Management Associates, and the Apartment Association of Metro Denver.  

No survey was ever recorded.  

The land, land prep (clearing, gravel driveway, DOT permit, stumping, graded for slab), survey, utility taps (and power pole), septic permit & perc test, septic tank placement, all that not included.