First-time buyer with no experience: Provide extra context on each phase. Explain terms (earnest money, contingency, appraisal, escrow) the first time they appear. Note that first-time buyer programs exist in many jurisdictions [JURISDICTION: verify].
User is relocating to a new area: Add research steps: visit the area before buying, research neighborhoods using local data, consider renting first to learn the area. Note that remote buying adds risk.
Competitive seller's market: Note that some contingencies may weaken an offer in competitive markets. The user must weigh the risk of waiving protections (inspection, appraisal) against competitive pressure. This is a personal risk decision, not something to prescribe.
User has a home to sell first: Add a "sell first or buy first" decision point. Discuss bridge financing concept, contingent offers, and the timing challenges of coordinating two transactions.
Investment property purchase: The checklist mostly applies but note that financing terms, down payment requirements, and tax treatment differ for non-primary residences [JURISDICTION: verify investment property rules].
User is already under contract: Skip to the relevant phase. Focus on the under-contract and closing checklists. Ask if they have completed inspection and appraisal.