One of the first things I do when I buy a property is to look it over carefully and do as much preventive work as is necessary.  I see you’re in Gatlinburg.

Can anyone recommend a trustworthy inspector who is not going to overcharge or create unnecessary problems?

If you start with a dehumidifier right away, you can prevent any growth on the backside of the sheetrock, and once the walls and area are thoroughly dry, the mold will not continue to grow.

Property appraised for 245k; however, it was classified as a c5 which prevented most lenders from issuing conventional financing.I contested the appraisal and the appraiser held their ground, but their supervisor told me that if I slapped a coat of paint on the cabinets (these needed to be replaced due to wood rot) it would be an easy c4.I paid $520 for a new appraisal, contacted all my family and friends, deep cleaned the home and put a fresh coat of paint on the rotted cabinets and over the doors.

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All these tenant portals usually have 1 or 2 things that are annoying or unnecessary. 

It's not rocket science, cut it out, wash it down, do preventative maintenance call it a day.

I tried doing that with my personal credit card but am having errors preventing me from doing so.

As a previous poster stated, proper vetting prevents a lot of this.....sometimes you can get away with only putting 25 or 33% down, but 50% is not unusual.

Even if you do preventative things it won't keep it dry.