Anything under $500 is approved automatically, and for items above $500, they don’t seek a second quote.

Repair Budget: $45k–$65k to complete construction and finish-outProjected All-In: ≈ $320k or lessProjected ARV: $380k–$425k based on local 3k sf compsExpected Rent Post-Reno: $2,300–$2,600/mo (Hephzibah 5-bed band)Financing Plan100% Disabled Vet → No VA Funding Fee30-yr fixed VA Renovation loan ≈ 6.25% interestRepair escrow to cover MPR items (post-closing completion)Questions for the community1.

At each step you find your lacking some info to complete it, GREAT, that's your primary action item #1, finding and obtaining that information.

This is just a few of the items.

On properties in that price range (which are often a bit older), one big-ticket item can pop up fast—think an HVAC unit failing in the middle of August or a roof issue after a big hail storm.Your plan to aggressively pay down and drop PMI is smart.

You can send a polite written notice (email is fine) reminding them that the common areas are shared and not for private use or personal items.

Good practice is to provide an itemized list within the required timeline, even if you only have estimates, just make sure they’re reasonable and based on market rates or handyman quotes.

Even if there was a fire or major structual issue as long as you have fixed it this is no longer a disclosure item.

The next step will be for here to wire funds for "mortgage insurance" or some other made up item. 

I imagine most of it is time and labor as the kitschy items cant be that expensive.