Even the Illinois side of the STL metro area is different, I think the soil and water table can make a difference in the foundation style that you'll see.

That said, it's never a bad idea to have a healthy amount of cash on hand. 

And honestly with the soil makeup, I stick to saskatoon.

Depending on the time of year, the soil will move, you might actually be making things worse by raising part of the house.Every foundation company you bring in will tell you to add piers.I don’t know the specific property, but my guess is there is a high probability you wouldn’t need to do anything.

we topped in 2006 and fell until 2012 soil she bought in 2007 then she might be close to break even depending on the local market.  

The termite company said there was moisture (they did the moisture reading after they sprayed a whole can of foam, not sure if it matters) in the wall so it wasn't covered because there was no visible trace of termites on the soil outside (there is a brick privacy wall that butts up to the house). 

Can I request soil samples?

Those still lending become extremely cautious and demand draconian terms, like 40% down, and expect you to show very healthy financials and liquidity.  

This house will need a new roof, which i'm estimating at around 10k, and it will need some foundation work (hooray Texas soil), which I'm also estimating around 10k?  

At this sales price, I would be looking at a healthy $30-$35K profit on each property.