I am actually buying in a high growth area between Dayton and Cincinnati.

Hello fellow investors, this is only my second post and never actually properly introduced myself.

Y not send them an actual purchase agreement signed?

@Robin Wilk It's hard to pin down an exact number, like how many points your fico drops, maybe just 25-50 points or so from the actual "short sale event".  

I actually haven't considered that, I will explore that alternative.

Was the concession in line with the actual cost to correct?

I actually used to live in the Oakland area so I get where you are coming from.

You might want to get actual quote on insurance too. 

@Dale Oudems No I have not but I will do that right now, actually where would I find that information?

You have to understand what goes into their report like the condition adjustment scale, quality of construction sale, how to pull the proper comps for the property (which can be different comps from actually valuing the property), how to value certain features in comps with the appraisal in mind, knowing what features can created price adjustments and which ones don't.