yes, that is much clearer for me. Thanks for the comparison scenerio with your dad, too. It helped give me an idea of what's involved.
Do contractors normally quote on houses prior to ownership? Or, would that be something my inspector should be able to tell me if that wall issue is a mistake and/or costly?
I was thinking of eventually laying the tile for the floor myself (take a class at HomeDepot or something), the countertops need to be replaced &appliances (eventually), the cabinets are okay, but needs more cabinets. I could just re-finish or paint the cabinets myself for time being and I have done that before.
Thank you so much for all of your feedback. I found it very useful! :)