I also dislike the equivalent of grade inflation- in the sense of just because it's all average wear and tear (?)

From just the photos, it appears to be a value-add opportunity at best.

.**** An important note for people with AC Units at their rentals, there is a product that is the equivalent of fix a lot for AC units.  

You have to file a complaint in Superior Court and appear for trial.

Glanced through the replies and it appears that the lenders that commented did not catch that he said Hard money on a personal residence.

DO NOT SAY that they are homeless or appear to be homeless. 

@Abigail Lipson if you want actual assistance, then share what you've done so far and ask if you've missed anything or made incorrect assumptions.To just ask for general assistance or for someone to share their evaluation criteria makes you appear lazy and wanting other people to do your work for you.One of our company's mantras comes into play here, "if you don't ask the right questions, you won't get the right answer".Please ask better, more specific questions, so we can better assist you:)

This is important because you want your name to appear on any claims checks.The following are some general terms that you can use with your Agent, Attorney and CPA to determine the proper form for the coverage. 

I don't want to appear as the sole victim because I am not.

on the other hand, ask them to allow you to test and clean rather than them give a hearsay appear and disappear story.