Sharon Smith

Buyers · Free guide

The Four-Test Diligence Checklist

The four tests to order the day a contract is accepted, what each one costs, and what each one actually finds. A general inspection is a screening tool — this is what the screen cannot see.

How to use it. Print it. Take it to your inspection. Order all four on day one of the inspection period, not day seven — a finding that arrives on the last afternoon is a deadline, not leverage.

Order all four on day one

Roughly $600–$1,200 total against a seven-figure purchase. A clean result is not a wasted test; it is a purchased certainty.

Sewer scope — $150–$300
Camera run from cleanout to main. Cast iron and clay laterals in pre-1980 Phoenix homes fail at the joints and at root intrusions. A collapsed lateral under a slab is a five-figure repair that no visual inspection finds.
Moisture survey — $200–$400
Meter and thermal imaging across the envelope. Monsoon intrusion, condensate pans that never fully drain, and irrigation run against a stem wall create exactly the warm, damp, undisturbed conditions that grow things. Mapped before an offer, not discovered after.
HVAC load verification — $100–$250
Confirm capacity against the actual conditioned square footage. Undersized systems are common after additions and get sold as 'runs a little long in summer.' In Phoenix that is not a quirk, it is a replacement on a clock.
Panel identification — No added cost
Identify the manufacturer and model of the service panel — ask your inspector to photograph the label and the interior. Federal Pacific Stab-Lok and Zinsco panels carry documented breaker failure modes. Many insurers will not write a policy on them, which makes it a financing problem as well as a safety one.

The order of operations

1. Corridor selection before house selection
We identify which corridors actually fit how you live — commute, walkability, lot type, HOA tolerance, school needs — before we look at a single listing. Falling in love with a house in the wrong corridor is the most expensive mistake in this market.
2. Financing verified, not pre-qualified
Pre-qualification is a conversation. Underwritten pre-approval is a document. In a competitive corridor the difference decides the contract.
3. Showings with a checklist, not a vibe
Every showing gets the same read: envelope, mechanicals, panel, supply lines, drainage. Finishes last. You get the notes.
4. Offer built on screened comparables
You see the comparable set, including the ones I excluded and the stated reason for each exclusion.
5. The four tests inside the inspection period
Sewer scope, moisture survey, HVAC load, panel ID — ordered immediately on acceptance so results arrive with time to act on them.
6. Findings priced, then negotiated or walked
Every finding becomes a contractor-sourced number. Then we decide: credit, repair, re-trade, or walk. Walking is a real option and I will say so plainly when it is the right one.

Sharon Smith · REALTOR® · Keller Williams Realty Sonoran Living · AZ Lic. SA722108000 · (262) 903-0876 · sharonsmithaz.com
General information, not legal, tax, or engineering advice. Inspection costs are typical ranges, not quotes.

Want these run on a specific house?

Send me the address. I will tell you which of the four matter most for that build year and that corridor, and roughly what they will cost — whether or not you end up working with me.

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