Two years of owner occupancy ticks the box for the excellent capital gains treatment we all can get for living in a house for 2 years out of 5 years, unless you are military and then it is 2 years out of 10 years.  

What a decent HO6 policy will likely cover: When the place gets destroyed, it will pay for a complete repair of the unit including flooring, cabinets, closets, bathrooms, kitchen including appliances and garbage disposal, painting, lighting, window treatments, laundry hook-ups, wired smoke detectors, door bell, etc, and all of it with the necessary permits!

My guess is just people breaking in and doing drugs caused it to burn down twice.  

I am just a tiny white girl and I need to feel safe" I replied "I rent to all races no preferential treatment if you have special requirement you should not apply here". 

The guy who has a great job and a 750 credit score suddenly starts a drug habit.

@belinda LiGet the treatment now and pass the warranty on to the buyer.

Treatment usually comes with a one year warranty and costs a few hundred bucks.

Termite damage on door header was noted by inspector. but Seller said they had a contract with a pest control company for treatment every year.

A spot treatment should be in the $300-400 range include a clean Termite Report(WDI) for the lender if required.

The seller will have to pay $1500 for the treatment and I was thinking of lowering my offer $2500 for any unforeseen damages.