Also, I guess one of my major concerns was getting rid of the land as it is probably not as liquid as a home property.

I'm concerned that your estimate seems low.

She had a hand written note stating she paid $420 with no address or name on it.

Farmers plant seeds by getting to understand and address prospects’ needs and wants.Farmers nurture a prospect by helping her meet her needs, wants, goals, etc.

If possible, during rehab, address some things that will help you insurance wise later:- full upgrade of the electical- full upgrade of the plumbing- removal of any sheetrock, trim, etc with lead paint- new roof- address any drainage/leaky basement issues- hardwire smoke and CO detectorsI know not all will be able to be done but most are cheaper during a big reno and will make you a better risk for the insurance companies. 

Not as concerned about the facing or doors.How things are joined also comes into play; glue breaks down and water will swell particle board much more then plywood or solid wood.

If you are concerned with the $, tell the painter you will provide the paint.Hope that helps!

I did the math and here's what I found:mortgage amount = 112500monthly PI payment at 4.5% = 570.02monthly PI payment at 3.85% = 527.41difference is $42.61 per month.Dividing your points amount ($2250) by the difference yields just under 53 months.If you keep the mortgage for 53 months or more, paying points will save you money.There may also be some taxation concerns considering the deductibility of points, but I don't have that info.

Whether it needs to be addressed or not I’m just wondering when they send the 3rd person will they find something else.

They sent in the application and upon reviewing it, his Mom lives out of state, he did not include his Mums employment information or current address.