I suspect such properties will be rather difficult to find.BTW - the PM is "built into" the 50% rule, so no need to make the adjustment with the 0.91 factor there.

I have been mentioning for nearly a year now the benefits in building specs, as Jon also alluded to.

Your local Farmers adjuster will know who is good and the slick characters will try to convince you that your adjuster is trying to cut corners.

Appraiser will adjust prices for the comps based on the difference in size.

I see some benefits, depending on your current status.

Base Cabinet | Protects Cabinets from Leaks and Spills | Adjustable Spill Guard for Kitchen and Bathroom Sinks - Under Sink Organizers 

DON'T try to adjust numbers to satisfy current owner, this is business deal needs to work for both sides especially you, you are assuming all the risks.

So, maybe that makes him motivated.If anyone is interested in what it boiled down based on the adjustments I've made to my spreadsheet, here is a link to the spreadsheet:http://nicodemas.com/rebecca.jpg

(I don't want to struggle to get what we paid for it)Also what benefit is there to us by putting 20% down.

There is an old saying about not paying for something you can do yourself making you wealthier, like hard work pays, but not if you are really making more money or a more economic benefit is gained by having someone else do something.