Alas! Someone else has made a bid before we've even seen the inside (we're scheduled tomorrow to see it), AND they've got a pre-approval for a mortgage (we both have parents and siblings with equity/resources, but have very little money of our own, certainly no pre-approval). We might have managed with the owner financing option, and an additional loan for renovations, but I'm not sure we are in a position to make an offer yet. I think we will begin this stage of what might end up to be a lengthy chess game by "castling" (that is, not doing much of anything but getting ready for the fight). Who knows, the first bidder may bag out, the owner may not accept their offer, a number of things might happen. I don't know if this thread is relevant to the "speakers' designation anymore, but trust me... a big part of my questions you've all so enthusiastically answered is related to music and listening to music. Thanks for your time.