After contacting an advertiser, ask a compact set of questions in one message: Is it still available? What does the advertised floor area measure? Has the price or status changed? Is there a prior sold record tied to this exact address? The response—or lack of one—also tells you whether the...
Furniture is the easiest category to control. You need somewhere to sleep, eat and store basics; you do not need to finish every room immediately. I would rather live with empty space for a while than use the reserve and then rely on credit when a repair appears.
For direct observations to be comparable, contributors should include area, property type, condition, original ask, latest ask, outcome stage, and the dates used. Otherwise anecdotes will pull in opposite directions.
Has the seller answered any factual question yet, or only objected to the credit? Refusal to negotiate is one thing; refusal to provide available information is a separate signal for your risk assessment.