Then I would look at the insurance coverage to see if there's anything in the policy that can be cut That's not an absolute necessity.

That’s not a convenience for us; it’s a legal and ethical necessity in real estate.2.

I have done a small basket with trash bags, dish soap, sponges, tools for hanging things…basically necessities that might be useful while unpacking.

 i found a duplex that works perfect for me, but i'm afraid i'm gonna miss this opportunity and somebody buy it before i can come up with the down payment. i am only 3 months into my electrical apprenticeship so i don't make very much at my W2, and any extra money i have left (after necessities) gets spent on something else that pops up. so the question i have is, what would be the best way to go about this?

Selling in 7 or 10 years is not a necessity if you properly allocate for sustained expenses.

It's not a necessity, it's a want. 

However I still don't understand why in CO it's assumed to be the sellers responsibility, I have the house I'm moving to under contract and I plan to reach out to the seller and say I don't require them to buy title insurance if the take the amount off the contract price, it comes down to what I see value in, it's a 3 yr old house and a title search should show any liens or issues, as an FYI I never purchased life insurance as I saw little value there, insurance a necessity for some things but try to limit the cost of it, on home insurance I assume some risk by carrying minimum, in co all those Marshall fire victims were complaining about rebuild shortfalls but every home insurance agent I've dealt with tries to sell you full recovery policy and it's expensive.Generally, a seller is expected to convey good and marketable title and most purchasers are not willing to rely on the seller's word and the warranties on the deed. 

Agreed about the necessity of an attorney here.

@Jack Bailin: I will check the zoning for you but as long as 4 family is permitted in the zone, the use will be permitted without the necessity of a special permit or a variance.

Also, not looking for feedback about the value/necessity/negatives/ or need of doing a study.