FHA Appraisal/Inspection missing AC Condensers

[Eddy Dumire]

I'm working my way through an FHA 203k streamline loan to buy a new primary residence. I think I've got it under contract very well. I fully anticipate it will appraise for about 90k over purchase price.

It is an REO property and while it has sat empty, someone has stolen all 3 condenser units from the side of the house. I've heard from my 203k renovation specialist (aka contractor) that it's not a big deal as long as we have a heat source (we do -- fireplace).

Is it true that we can leave a pile of broken a/c condenser parts in the yard and not fix them  as part of the 203k loan?  I really want to keep them out of the 203k loan because I don't think we're getting good pricing from the contractor. 

1 - 2.5 ton Goodman R410 14 SEER Heat Pump System

2 - 80% 80k BTU Natural Gas Furnace Coils (I assume the A/C condensers are included here too)

He wants over $15k ($9k parts $6k labor) to replace the three outside units and the furnace coils.  I can get full Goodman systems on the internet for about $2k each so I don't know where the other 3k for parts is.  I also know from a friend that this install should take 2 guys maybe 1.5-2 days.  Who in this world makes $1600/day besides surgeons and real estate investors?