****Disclosure***My wife owns a design & staging company.

Pricing has dropped a bit since the Brexit news.I'm not familiar with the process in Oregon, but unless there's some kind of mortgage tax or other fees specific to the area, for 15K in closing costs, I would guess you are either paying points or are funding an escrow account for property taxes and insurance.Did you get a loan estimate with your initial loan disclosures?  

Disclosure: Interested in bidding on some trades of the project.This is a big undertaking, however, if he is an entrepreneur, he should be able to understand the basic ups and downs on the financial side on buying and selling, the only thing that he needs to educate himself and you is the ins and outs of development/construction.

These changes will affect buyers, sellers, mortgage brokers, lenders, real estate agents/brokers, and title companies as well.The New FormsThe new rules replace the Good Faith Estimate, HUD-1 Settlement Statement and Truth in Lending Act Disclosure Form with the closing Disclosure and the Loan Estimate.

Then later said that it was being held up because the insurance company was requesting a "Non-Collateral Insurance Certificate" to complete the wire transfer.He contacted the Insurance Company and the cost was $4,250; but after pleading with them they agreed to accept half ($2,125) up front and the balance after the loan is funded.We're still arguing about me paying the $2,125 directly to the insurance company.He's talking about his company's policy & non-disclosure agreements.So I Googled and came across this article.

. §§ 250.501(b))Termination for Lease Violation: No StatuteRequired Notice before Entry: No exact amount of time is specified but generally 24 hours is recommended.Entry Allowed with Notice for Maintenance and Repairs (nonemergency): No StatuteEntry Allowed with Notice for Showings: No StatuteEmergency Entry Allowed without Notice: No StatuteEntry Allowed During Tenant’s Extended Absence: No StatuteNotice to Tenants for Pesticide Use: No StatuteLockouts Allowed: No Statute, but no state allows this.Utility Shut-offs Allowed: No Statute, but no state allows this.Disclosures & Miscellaneous Notes:Lead Disclosure: Landlords must disclose all known lead paint hazards.

Anything you say, write, advertise, etc. becomes PART OF THE OFFERING and would need proper disclosures to go with it.  

If he bought the property as-is from an estate who is not required to provide a seller's disclosure, what would his action be other than to evict Jose?

I also recommend using a blue pen but that is just my preference.Full disclosure, I dont't do wholesaling so have not actually tried this but it should work.PS  if you have never tried it, I refill my own ink cartridges at home. costs less then $5 and  takes less then 5 mnts. from start to finish.

Or in another case the owner converted their old duplex back into a single family home & found they lost it's multi-zoning.Makes our legal multi's more valuable :)So the listing agent is definitely in CYA mode with the required full disclosure.