The plumber is a friend and just happened to mention the effects of settlement on cast iron pipes without me even having told him about the settlement, so no foul play there.

For instance, one house we painted the floor (due to pet odors when it was owned by a prior owner).  

Pet odors can be nasty!

However, there was a clear strong pet urine odor.

I have seen a few folks get really fouled up with the FEMA regs.

Sounds to me like you could end up in a situation where someone accuses you of running foul of your fiduciary responsibilities to your clients. 

Smoke odor is therefore not wear-and-tear, or damage, but simply to be expected.

I see a lot of guys wanting to do private loans advertising "non-owner occupied" properties only but that doesn't stop someone from going into the deal as an investor and then moving in crying foul.

An assistance animal (like an emotional support dog or cat or pot belly pig) needs no training, nor any certification, and is not limited to dog.Remember, even if someone is allowed to have an animal because of a disability, they are not allowed to damage the property, the animal must be kept under control at all times, and they are not allowed to generate odors or allergens that would affect other tenants.  

LOL LVT replacing pee'ed on carpet and pad fixes almost all pet odor issues.