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Was the longer process mainly lender timing, inspection findings or documents moving between several people? Also, does “vacancy” mean this will be rented, or are you allowing for a gap before you move in? That distinction changes how I’d divide the post-closing reserve.

I’m testing a preliminary renovation budget of C$680,600 for a 2,100 sq ft apartment in Montreal and would appreciate a second opinion on contingency and due diligence. The scope includes a new kitchen, bathrooms, flooring, paint, electrical checks and moderate energy upgrades. No extension or...