My experience is though, that any fed backed loan, automatically is offered a chance to do a loan mod. 

The moisture issue and structural issue need to be addressed and you can do so before the insurance adjuster comes out.

I offered a month’s rent in addition to what was reasonable for loss of use of 7 weeks of garage and 2 weeks of kitchen/bathroom unavailability (adjusted for back rent for unauthorized pet) but no response from tenant other than pursuing legal option unless I share Landlord insurance details.

Sometimes a second inspection or negotiation can also help adjust the valuation. 

Your net gain is your net sale, minus your adjust cost basis.

Keep abreast of the latest fraud techniques and adjust your criteria accordingly.Educate Your Team: Ensure that everyone involved in the leasing process understands the signs of application fraud and knows how to react when they suspect fraudulent activity.Legal ConsiderationsWhile it's important to be vigilant against fraud, it's equally crucial to conduct all screenings within the bounds of the law.

So investors want someone with a long track record of reliable and risk adjusted returns.

Before you file your petition to the value adjustment board, you may want to look at what they have valued your property at to see if it is overvalued.

As with all regions, the Oregon Coasts' counties and cities are tightening their rules (and quantities of allowable vacation rentals) and there are a few adjustments to last year's regulatory landscape.

As an agent who has worked almost exclusively with investors for years, I almost automatically take the approach of saying “no” first.