The CF is only playing catchup to the cost to you of the property. 

I'm trying to make it so I'm on the deed/title and not the mortgage.I know the income side would be effected with the dti I was just wanting the debt side not to be.

I might be biased - though the easiest way to tell which option works best is to get a side-by-side comparison so you can see the overall costs, payments, etc. 

I would see if you could get seller to pay for the repairs and you raise the sale price by the expected cost of the repairs.  

That cost me about $1,000 each time. 

There will be a huge gap between coverages and replacement costs. - Renters are majority uninsured. - In September 2024 the FAIR Plan had $6B in exposure to the Palisades alone.

During due diligence the seller also replaced the water heater and agreed to an additional $5,000 seller credit at closing.After crediting the commission and seller credit the final purchase price including closing costs came out to just over $190k.

You'll want not just to go off of comp sales, but also potential income / cap rate calculation, and reproduction costs.

Many contracts have a mediation clause and there are costs and time involved with reaching a resolution.

Why is your mortgage cost so low at only $44k/year?