Some lenders have overlays and require more to meet broker guidelines. 

Those types of questions would likely help you find a reasonable upper limit on how much you should reserve.I would love to a large PM share their data with a mathematician, and probably a professional poker player :), and see if they could come up with some guidelines.

OK, I think I meet your guidelines.  

It can also get very competitive in many counties if there are larger players who are willing to gamble.

That said, if an agent were to not follow this guideline and they were to somehow use the knowledge of your offer details to submit a more attractive offer that was accepted as a result, they would be risking their license.  

COVID has greatly impacted cashout guidelines. 

These guys are not limited by Govt fiat, but they tend to have guidelines as far as how much they will lend you in total.  

Not only that, but an appraiser may come along and find things that are against FHA guidelines, which would mean more things for you to deal with.

Keep applying those guidelines until you find the perfect park. 

I AM NOT questioning the inspector, I am questioning if it is too much of a gamble to not know the conditions of the entire septic system.On to the home inspection, AGAIN keep in mind the house was built in 1800.