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The only properties without a subfloor, are slab on ground. No, wrong assumption to make!

No, not in my opinion Look, in a nearly 100 year old property, at some stage of its past (and possibly future) life, it will have suffered a pest attack. $10K is plenty to allow. Bear in mind, many people who you will be bidding against, will not have even had a P&B report done. (crazy I...