Just a thought.Depends on if you have cash reserves to cover the pipe replacement now; if not, you could save a certain amount each month to put towards eventual replacement.I guess you just have to decide if you want to pay to have the pipes replaced now, or at an unexpected time in the future. 

Home Depot or some of the bargain outlets have tile for a pretty decent discount!  

And that’s what ppl think they can find if they listen to real estate podcasts that set improper expectations (and really just want them to spend money on their products/deals)That being said year 1/2 can be rough with unexpected (should have expected) repairs from the prior owner.

If I sell for $250K, how does that get divvied up between profit and paying off the mortgage I took out? Let's

Then add 10-20k for additional unexpected budgeting. 

A heloc is an open end mortgage or in simple terms its a high risk credit line similar to a credit card that sits in 2nd lien position adding another trade line to your credit and reducing DTI.Just like a credit card if you ever miss a payment on any debts on credit or if your scores drop unexpectedly they bank can close or reduce your line of credit.

Just bought my first property and I feel like I'm on high alert waiting for the unexpected boogeyman to pop out and ruin the deal.

Unfortunately, not all HOA communities experience increased home values due to poor management, local market conditions, and special assessments for unexpected expenses can lead to dissatisfaction among residents. 

This not only adds an unexpected financial burden for frequent battery replacements but also leaves the reliability of these locks in serious doubt.What compounds the frustration is the absence of any low-battery indicators or warning systems.

The drawback you have to fit "in the box"; 20% down +, excessive reserves requirement, specific restrictions on tradelines, assets guidelines, DTI under 43%, owner occupancy etc.. if you are open to ARMs you will have a bit more options..Also need to consider the type of property - if condo/condotel banks might not finance at all.. there are many factors to consider we do have some good outlets for jumbo, would be happy to review your scenario and give you a quote.