Thanks man. We do not have to carry PMI. The mortgage term is 15 years at 3%. The mortgage company is doing the title search. The property survey was something else needed. Getting it done now for less than $400
No questionable outdoor items because the only thing we have in the back is the 6x8 slab they call a back porch. I'm not sure what we'll be able to expand outside in the future because we live in an HOA :/