I highly recommend James Wiederman's book on Texas Real Estate contracts as it covers everything in the TREC contract.

They are not thinking about how that stolen item forces the shop owner to raise prices to cover the loss (which are paid by you) or to file an insurance claim to cover the loss- which leads to higher insurance rates for every shop in the area when insurance companies label it a crime area.

You're already down 10% on day one of your purchase, since it would cost you that much to turn around and resell your property to cover commissions and other costs.

The problem is my regular job's pay won't cover the debt-to-income ratio for underwriting.

Originally posted by Tom Goans:Rising rates only affects those who strongly depend on debt.This covers pretty much everyone in the RE business, regardless of whether they use debt directly or not.

So apparently the lender is willing to give me a $200 refund at closing to cover most of the appraisal cost.

contractor for 15 years do the roof first that the area most water can come in and you want to stop it as soon as possible ,logic it rains from the sky so the top of the house will be the first to close up, window next but if there not some standard windows that take a few weeks to come in move to sidding use cheap ply or osb to cover into the windows come , time is money and you want to stop water before you put any finish items in.

If so, be upfront with the broker about doing so as it potentially could cause him/her some issuesWith HUD you :Must provide proof of funds to cover the purchase priceEarnest money of $500 for properties under $50,000 and $1000 above $50,000 is non refundable for InvestorsYou are not permitted to market the property until you close on it despite what the "Courses" tell you. 

I've got a 4000 square foot fourplex in Grand Prairie that is covered by Lloyds and the premium is around $1600-$1800.

They don't plan on needing a new roof or hvac system and $100 a month doesn't cover that.