Sounds like the estimate from them is based on closing on the 15th, so if another date is used then the numbers will fluctuate.The unknowns are unknown, otherwise the things would be known and itemized on the estimate.Now, if the lender will be escrowing taxes and insurance, then the determination of the disbursement schedule and resulting "low water" escrow balance (1/6 of annual total due to be paid into escrow) tends to move a bit when the settlement date moves.

The total payments you received from insurance carriers, itemized for each specific crop, and the date you received each payment.

Items 4 and 7 are your best bet for an adjustment.

I've never paid extra for any of the specialty items you mentioned you have done.

Will you be getting a traditional bank loan or private money?

Traditional wisdom is that people looking this time of year figure sellers are desperate, but then again the inventory is extremely low and you aren't desperate.

Portfolio designers have rules of thumb about how much to carry in equities versus fixed-income bonds in traditional portfolios.

You have to know the local conventions, like what people expect in their rentals, what is a good item to attract good renters and what is a waste of money.

I have to live in the 4-plex to make this work, so needs to be nice/good area and I don't have the cash to put down for a traditional loan.

This ought to be an interesting topic.The list of what I would do is a long one, but here are a few items off the top of my head that I'd do.