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I’m less convinced that choosing a contingency percentage first solves the problem. Spend some effort reducing uncertainty before fixing the number: selective openings in the wet areas, a clearly defined electrical inspection, and a plumbing assessment focused on access and condition. A smaller...

One caution: public asking histories and completed-sale information may be incomplete or delayed, so apparent discounts need verification before driving an offer. I’d take the short list of closest completed comparables to a Montreal agent or other relevant local professional and ask for the...