@Evan Isner - I hate to be the one to share bad news with you, but there is a 99.5% chance that you are WAY over paying for your place.

It's something I've always wanted to try so now is a great chance and I will take it, somewhat cautiously of course, but I'm still jumping in. 

Chances of getting money back are slim and none, whether work has been completed or not.

@Tyler Frost Just a thought- most agents would jump at the chance to be your go-to for buys and sales.

Chances are you probably won’t want to manage it as a rent by room forever.

We have a modest equity line of ~ 75, 000 and I had just took a loan out on my 401 K before the whole COVID hysteria began for financing  but I was already irritated with myself for putting the max into my 401 K  ~ 10 years on a part-time nurse salary so I jumped on the chance to draw some money out without a penalty.

just want to know that how to figure out if there is a good chance of appreciation in a property? 

By maxing out both retirement accounts it destroys my W2 income and my chance to ever try to get financing again.

Do you think the seller would be understanding of the buyer having busy contractors and the possibility of that reducing the chances of getting the contract signed?

So, if we have not had a chance to meet or chat before, let's connect (message, phone call, zoom coffee).