They have gone up substantially, but not at the same pace as home prices.

Here are a few options you might consider:Home Equity Loan or HELOC: If you own another property with sufficient equity, you might be able to take out a home equity loan or a home equity line of credit (HELOC) to cover the $140K.

See if the home inspector you are using for this purchase if they will do draw inspections for you

I have a few investment properties, but i am soon to be closing on my primary home to live in.

Most people call the "Non-Owner occupied home list".  

However, if that were the case, builders who are already buying down rates aggressively would be selling more homes, but they aren’t.

Learn the basics of financials in RE, build a strong team on the ground, understand the ins and outs of RE and what market your in, understand how to actually flip the home and what strategy you are doing (Highly recommend the BRRR) as holding homes is where the money is made.REAL ESTATE IS NOT EASY!!!

@Mark SvendsenI would have given them to the buyer of the home at no cost.

It all depends on the areas you're looking in, I would advise focusing on the median priced homes, those types of areas normally don't have a lot of vacancies in my experience. 

Richmond, VA continues to be a growing city with affordable homes.