I can help you but need: purchase price of land, are permits and architectural plans paid for and how much, what exactly you are building will determine cost breakdown of every line item, lender rate and term, lender inspection fees and extension fees.

Purchase price: $69,000 Cash invested: $100,000 *Total and complete renovation in 2022*Upscale contemporary decor*Fully equipped kitchen *Beach access just 4 minutes away (Headlands Beach State Park)*Peaceful and semi-secluded location*Private outdoor space *Remote workstation with Wi-Fi*Linenspa mattresses on both king-size beds*Allergy sensitive with no down, feathers, or installed carpet Our Headlands Beach Cottage Renovated from the Ground UpAfter an extensive restoration project, we are thrilled to present Headlands Beach Cottage.

I have extensive experience there 

Homeowner's insurance is for casualty damage caused by an accident or act of god.      5 year old roof damaged extensively by a tornado?

Shortly after the purchase, we found out that the property has extensive fire damage.

Losing money and extensive repairs even after tried 2 different PM With great referral.

Even after an extensive remodel, my savings rate will cover a mortgage on the property.

Since FL has been granted an extension for time sensitive filings. 

There's a good chance Newsome will come up with some other eviction moratorium extension so you don't want to wait.

I guess I feel uneasy talking about potentially tearing down walls, or any extensive renovations; as to not scare the seller thinking I'm going to lowball them because "the house needs so many repairs/renovs."