@Deepak AroraIn California, given today’s market conditions, the difference in value seems to be negligible.

So, they may know the condition of the property better than you will.

There is trash inside and outside of the house (we have photos)-We need to sell both houses ASAP because Rose is under 24/7 homecare due to blindness and other health conditions that do not allow her safely live on her own; she is paying for this care out of her savings and money runs out in December 2021.

Some of the decision around reserves and pre-paid interest are driven by the condition or vacancy of the property.

I don't need/want my insurance company to be involved in every minor defect the house goes through, I just need the insurance to cover catastrophic loss like a fire taking the entire building.Of course I also don't live in areas that are prone to hail, flooding, tornados, or any other dramatic weather conditions.

Goal.This home sits on a .23 acres zoned residential with the option of changing the conditional use permit to multi-family.

Roofs are expensive, but a house with a new roof and AC in 5 years is likely worth more than a house with those components in poor condition today.

I've been keeping track over the last several weeks of what properties are coming up, where they are located, general condition, bed/bath count etc and the price they are renting for. 

Or is the plaster is bad condition already?

I don’t think we have ever offered more than $10k for any place there no matter the condition.