That is where they put in there fees (points, prepaid interest, etc).2. taxes, title fees, state fees3. if they are only lending up to a certain % of the ARV, then you most likely are responsible for the difference between the overall costs (purch, repairs, closing costs) and their loan value.Like I said, without seeing their info I can't tell if that is the reason or not, but my guess is that is why it is so high.

I go to your city Hall and title and understand what you can do with it.

I draft wrap packages, but you will want to close at a title company. 

Currently, I start with a title search to get a basic list, but the owner name is not provided and the square footage is often incorrect. 

If you're great at the contracting side, maybe start building relationships with Real Estate Agents, Title Companies, Lenders, Partners with Money, or anyone else who can get you into your first deal.

I'm worried that I won't be able to cover closing cost, title insurance, etc. and I don't have much.

I'm told some fraudster tenants who defaulted on their electric bills open up new accounts under false identities.

2) States that the property comes with title insurance and I emailed town treasurer but publicly it looks like taxes were paid.

Looking for an individual or firm who is well versed in liens, foreclosures, probates, quiet title, ect.

Selller has given "An EPA-approved pamphlet titled “Protect your family from lead in your home,”which identifies lead-based paint hazards.".