In my area there are regular markets that will consider the Renovation Builders Risk but the Vacant policy normally is placed through the Excess (surplus lines) market.   

We may be able to negotiate some of these in offer price but trying to see how do we normally estimate the high-level repair cost e.g. 

@Ian VerzoniThere are normally two ways for more than 1 person to own an as asset(Real estate)1.

This is not the case in Spain, at least not next to the normal big listing platforms like Idealista. 

The market is so hot that the numbers normally don't make sense.

What lifestyle choices can you drop to save more cash?

@AJ PanjaviWhat a prior buyer paid for a house is normally irrelevant information.Also, how do you know that there was no value add done?

The loan closed, but the buyer will never use them again, I will never advise a client to use them again (they were advised  not to use them this time...but sometimes clients are adamant and very loyal - which for normal banking, Navy Fed is awesome).

The heloc is at 4.5% and hml are normally 12%.

I know when I opened up our first escrow account I was thinking it was a special kind of account, but no, just a normal old savings account.