In texas for example we commonly see 115-140 per foot for insurance value.

We are looking for insight regarding calculating depreciation/wear/repair costs of common use items (refrigerator, freezer, W/D, gas fireplace, A/C, furnace, oven, stove, dishwasher, water heater, water softener, etc.).  

If there is a defect during the sale process (which is common), the court will protect everyone else before the buyer. 

Yes the MLS does have these search tabs but I wasn’t sure if it was common for agents to code the listing wrong.

All other lines (common to other neighbors) have metal fences that match the county maps (and google).

Most will not include 3-4 people on 1 lease.Rental History - Since you don't have any most landlords will require a co-signerThere are other situations you may run into as well, however, these are pretty common for someone in your situation.

With apartments you pay for snow removal, lawn and common space maintenance. 

Is it common?

Or is this just commonly negotiated?

Initial Escrow Payment at Closing also has a Property Taxes at $432.52 per month for 12 mos (total = $5,190.24)This doesn't seem right.2) Is it common for the Closing Costs mount $10,309.99 to be rolled into the total loan?