Insurance probably sent an inspector who gave a ballpark repair cost in addition to the cost estimate the clean up company provided.I'm assuming you used the clean up mitigation company the insurance suggested, who may not be your best choice.Get another estimate to return the property to full glory, cost for paint, glue, dumpsters, every nitty gritty drywall screw, plus putting your tenant in like kind housing.

Arrange them based on the problem you are most likely to face first, then spend some time researching your laws, how others handle the issue, etc.

What you describe sounds more like NJ.

They all are just computers making guesses based on other rentals in the area and adjusting for things like more square feet.

I have also bought from a neighbor and such but unless you have some boots on the ground, your best bet would be finding a realtor you like and/or search the MLS. 

It may save on taxes, and may help to close the deal, but it will open you up to potential liability.This sounds like a master lease option deal.Gino

Know this - kickbacks and other forms of paying for referrals is illegal for lenders, but many realtors and lenders skirt this in gray areas like a lender sharing marketing costs with realtors and in other ways.

Louis from NJ and I would like to buy a house in St.

Won't be all of what you need for another househack most likely but this is what I have done recently.

Monthly payment is $450, more than we would like to pay.