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I’m considering a Boston warehouse listed at $1,410,000. It has been on the market for 91 days and needs updating. Asking-price comparables look close, but I cannot find enough completed sales to establish where similar properties are actually clearing. Would an opening offer of $1,339,500—5%...

I’m considering a 2-bed coastal home around Boston for about $585,000. After the deposit and estimated closing costs, I’d have roughly $17,000 left. The monthly payment looks affordable, but ordinary first-year costs are much harder to picture. How would you divide that buffer among emergency...