I figure 5 years is plenty of time if I jump into it now and keep pushing hard on the goal.  

Quick Question..I live in an area where the average home value is pushing $300,000 (City of Elk Grove..

Be sure you get the insurance docs from the seller during due diligence and then take them to your insurance broker and see if what you can get is going to be similar -- assuming that you are not one step ahead of me and have already done this.

Do what @Dmitriy Fomichenko , @Mark Nolan, @Dave Visaya, Account Closed suggest and you'll be way ahead of the game!

My contract said under $200 they are allowed to go ahead without reaching me, but then they fixed a 6-year old dryer for $125, then shortly afterwards, fixed same dryer with another over $100 charge, supposedly for a different problem, without calling me, as both were under the $200 limit.  

This was a reverse short sale listed at 47kBeing on my way to California and a little research I wasn't comfortable at that price point so I offered 40 thinking I had a buyer my buyer backed out the agent is waiting for an email from me so I am here trying to find out what to do should I go ahead with the offer.and hope to find a buyer or let this one go.

You'll think it was too late coming and it will be years before you get the perspective that it's still ahead of many of the other people at your level-You'll finally learn to dress well when you're 36.

I give a bonus of 5% if they finish 5 to 10 days ahead of time. 

I have pretty extensive relationships with the brokerage community there and they push me about 5 to 10 properties per day to look at. 

Would you push the budget because you’re going to live in it?