For your fixer needing conditional coverage post-close:Specialty Insurers: High-risk flexibility.Surplus Line Insurers: Non-standard risks.FAIR Plans: State-mandated option(last resort)

When you go back in to your listing to "fix" this, there is an option for "sleeper sofa".  

After I got a few options I tried to get the best pricing/terms for me by having them bid against each other

Here is an update on a black couple who, after "whitewashing" their home, saw an almost $300K increase in the appraised value of their home: https://www.nytimes.com/2024/03/25/realestate/racial-bias-ap... maybe we should have a law or option that we can select our own appraisal , just like we can select our own realtor so all these stupid problem is gone.

But Harrison wasn't one of the location options. 

We review a multitude of data sources to provide a real-time view into a real estate marketWhile a data-driven approach is useful to narrow down all the options, having boots on the ground (i.e. agent or contractor) is always important for due diligence

I’ll be looking into that option more.  

It's a legit option for those who don't have the capital to get into the game on their own.

@Samson OniStessa and Baseline are good options. 

I'm sure you only intend on helping people so, this shouldn't apply to you.Home Matters USA | The Department of Financial Protection and Innovation (ca.gov) It sounds like getting pre-foreclosure deals is wrong, and it's not.Most of the time, the homeowner would appreciate u helping them to get out of the mess using this way or another when the other option is a certain foreclosure..