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Also confirm what each advertiser means by “duplex.” Property labels do not always carry neatly between markets or listings. Photos, floor plans and the advertiser’s description may tell you more than the category filter, particularly when you’re searching from Toronto.

The number is defensible if you present it as cost-and-risk based rather than as a verdict on the apartment. Include the updating needed, limited completed-sale evidence and your strengths on financing and timing. I would keep inspection and financing protection. Also give the offer a clear...