I use a HUD recommended HomeTech estimating book to create a rough estimate for the buyer. This "rough estimate" of repairs spells out the mandatory, recommended and desired items that's included in the Work Write Up document the lender and appraiser uses to help qualify the buyer. We worked over 70 loans last year here in Central MS. Randy, I see you near Kirkland on this kool National 203K HUD Consultant Roster Map! If you know a contractor in your area, send them to this site and have them get listed for free on the map! Locate the map here: my203k dot info / maps