Thanks for all of you thoughts.
The homes we are looking at at only reduced the bond amounts by the few years they have had them. Not worried about that.
Unfortunately when appraising a house; adds like a classier door, pull down stairs, crown molding, painted garage floor and better appliances don't mean much. That was all done at the owners taste and not always saleable. Better appliances in white means nothing if you want SS and have to pull them out and replace. You get the idea.
A brick drive or tile roof if not the norm does. Same would go for a pool and cage if both homes are similar otherwise.
We have priced a "new" home through TV sales ofc. with the same options and the same type of lot and came up quite a bit less than the resales.
We were quoted 200K for a golf lot with a Lantana sitting on it. Ouch.
We really want to stay in the 600K or lower range so no golf view.
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