Not only that most of ours we saved within 1 to 3 days of the sale so it was hair on fire getting the reinstatement back to the trustee.. total risk on our part.. give the seller some money we always did.. and then record the deed  WE did our own deeds in house.. buy without title insurance etc etc.  

This is a conventional loan where they also cover your PMI (private mortgage insurance).

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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) 

My principal/interest, escrow, and insurance is 1570, and my HOA is 306 and it includes water.

Well one thing that is interesting in regards to Earnest Money is that you take a place like Ohio, I'd imagine it's the same in Oregon but in Ohio the Division of Real Estate regulates the activities of real estate brokerages and their trust accounts but the Division of Insurance is who regulates title companies.

Factor in carrying costs (utilities, taxes, insurance).2.

Title Co, PM, Contractors, process server, RE Atty, Handyman, Lenders, insurance etc.....We were also building a wholesale business at the time so visiting the market was essential.  

How bad is the insurance, how high are the property taxes, is there an Hoa, etc etc. 

Insurance companies are taking a close look at building materials, quality, and updates.