That's not a refinance since you aren't financing it to start.

If there is evidence of intentional destruction of the property, you can call local police authorities, but in my experience, they do not get involved in any situation that "smell" of civil action; they will simply tell you that it is a civil matter. 

But athletes aren't known for being smarter than the average Joe.

For those still wondering why mortgage rates haven't fallen alongside the Fed’s recent rate cuts, check out this WSJ article: If the Fed Is Cutting Rates, Why Aren’t Mortgage Rates Falling?

I live in apartments that aren't on ground floor and none of the apartments I've lived in have a drain pan. 

In-person showings just aren't efficient.

If there aren't issues with this and it wouldn't be too much extra work, I'm really just looking for an additional tool to incentivize our borrowers/purchasers to keep paying timely each month. 

Also, these were put into business by and before 2022.There are also desktop / modeling study options that aren’t DIY and are still done by engineers 

@Travis Elliott Cost segregations aren't always beneficial.

If you are looking at properties in need of renovation, they want you to know your costs up front and many will be as-is purchases with the expectation that you aren't requesting repairs and your costs are confirmed.Depending on your state, but likely in all states, you have an inspection contingency in the contract, but what you will learn is that you will be competing against seasoned investors and contractors who know their numbers and houses so make better as-is offers.