I've gotten some estimates and a study and seeing wildly differing numbers as far as tax savings as well as cost.

Since laws are entirely created by humans they can vary wildly from state to state. 

Wild guess insurance 1200 Wild guess taxes 3600 = 4800/12 = $400.

You'll notice some homes in the same neighborhood vary wildly in their income results.

Also, there are a lot of things the general public doesn't know to share with their mortgage pro. one example: if you have a car payment (for purchase, not for lease), and there is 10 or less payments remaining, we can omit that car payment from your ratios. if asked if you have a car payment, you may not know to tell me its almost paid off. a less experienced mortgage pro may not think to ask how many payments left. also, there could be some collections from yeeeeears ago you've forgotten about entirely a credit report would show. maybe you had lates that would pose challenges and you dont think about it or realize it could be important. i also find people give me scores based off their credit karma (or similar credit reporting) which may wildly differ from a mortgage pull (different scoring models) and they are left surprised when their "740 fico" is actually 712, which would put you in a different credit bucket for pricing/ rates. higher rate = higher payment, could = less purchasing power. point is, its all just talk until we do the legwork. if you're serious about buying, WHEN you're serious about buying, do the credit check. save yourself the heartache of surprises later

As long as you don't have tusks five times as large as a wild boar (a smell to match)and red glowing eyes how you look shouldn't matter I've been told the hill billy folks on the old movie "deliverance" look and act less inbred than I do !

You're looking for an escrow agent though, not a title company (even though title companies do escrow so some may do it for you)As far as them selling it to someone else while you're doing due diligence, this varies wildly and you need to be cautious.

In 2011, buying single family condos in Santee and Lakeside were cash cows for me and appreciation happened wildly and I knew that the party couldn't last forever and started to sell and 1031 exchange in May of 2015, all of 2016 and I will 1031 my last rental condo next month.  

This can vary wildly, you can't really predict it based on similar properties nearby. 

Not to mention the buyers or sellers agents.. talk about potential blow ups.. that is a pretty wild situation were an undisclosed bond becomes one parties liability..