The fellow above has a good point about statistics, but you don't necessarily need to be a statistic, you just need to plan to make sure you are not one.

I live in Nashville so don’t know first hand but the zip statistics are really good.

This must be performed by a CPA or an “independent accountant who is engaged in the public practice of accountancy”.

Let's say the house is kind of like the majority of properties that I buy, typically where the occupant has aged out of independent living or has died and the kids live elsewhere.

Either you need to live there or you must have your bank that knows you lend in the market you are buying in.  Depending

If someone is doing Fix & Flip, it depends how how hungry they are for getting a house to work on, if it is to live in, depends on who is going to live  there, if it is for a Rental, again it depends on the buyer.

Here is some statistical data from MLS.

If you think of retirement as no more working, traveling around and living a life of leisure, that's going to be a lot harder to do, statistically speaking, if you left the workforce at 30 with 1 million than if you left at 50 with 1 million.

Buyers won't pay more than what they think and what the statistics show as market price.  

So many options to choose from, unfortunately your Allstate agent does not have access to them.If you want to look into options, do not contact other Home and Auto companies like Allstate, but rather Independent Insurance agents who represent multiple insurance carriers specializing in the REI space.I'll drop you a PM with some company names.