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I've bought a bunch of new homes in the past couple of years, and 45K is a rip, you must be buying a KB where everything is an option.
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Len's, I agree KB IS CRAP!
However, I can see how one can easily spend 20-40k on upgrades. They never give decent carpet, tile, etc (these days just a crappy flooring credit). Perhap's a little more when you get into 7 digit's. Also i suppose it depends on the area.