Those are out of your pocket.

@Ethan Slater Welcome to Bigger pockets..

Horror story #2: while selling off one of the Class C Indianapolis properties, buyer asked me to pay replace the sewer line before closing... absolutely not...here's a partial credit (check to written out to contractor from closing proceeds so buyers don't pocket the money) 

Some solid areas to look at are:Riverside, Avondale, Murray Hill, San Marco, San Jose, Orange Park, southern part of west side, east Arlington, pockets of the Northside.I’m on my phone so a little tough to go in great detail, but you can message me and we can find a time to chat if you’re interested.Chris - thanks for the reply.

We are filling up fast for the 2023 season but I can always squeeze in a few more folks from the bigger pockets family :D 

@Terrance BrewerWelcome to Bigger Pockets. 

It's almost impossible to get deductible amount on some instances and owners are paying out of pocket.

They are over 300 years old and have deep pockets which allows us to self fund all our build projects and get better deals and bulk pricing in materials and other services We can pass these savings on to our buyers.

Really your reply is the kind of thing that has made Bigger Pockets so valuable for people like me with more limited access to a broad range of more experienced professionals.

However if someone reads this bigger pockets thread entirely and sees the benefits after seeking their own knowledge through the many books recommended on bigger pockets.