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    First-time buyer in Bogotá: is COP 94.3m enough cash to keep after closing?

    I’d add one caveat: an inspection does not predict every first-year expense, so priced findings shouldn’t replace a general property reserve entirely. Keep something unallocated for failures that were not visible on inspection. Conversely, don’t count service charges unless this particular villa...
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    First-time buyer in Bogotá: is COP 94.3m enough cash to keep after closing?

    The missing fact is what “affordable” leaves you each month after the mortgage and normal living costs. A large monthly surplus can rebuild the buffer; a tight surplus cannot. Also, is there a service charge for the villa, how much furniture do you already own, and when is the first mortgage...
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    Which proptech workflow actually improved valuation?

    Permission controls can also break the handoff. The valuer may need assumptions and viewing notes without seeing every lead detail, while an external participant may need only one document. Test the actual roles involved rather than giving the demo account broad access and assuming permissions...
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