This is the same problem that my house hacker clients are running into in Colorado Springs. 3 and 4 unit homes will not pass the self sufficiency test for a 3.5-5% down FHA loan.

Never Buy anything unseen and un tested run away. 

Both prop stream and radar have 3 day free trials to test drive.

@George RedHowey test is the best way to determine if it is a security and thus either need to file with security or do an exemption like a 506cIt’s basically 4 parts:An investment of moneyIn a common enterpriseWith the expectation of profitTo be derived from the efforts of othershttps://www.investopedia.com/terms/h/howey-test.aspSo in a jv is one person finds the asset and one renovated it or both are acting in some capacity and making decisions - then you could consider a jv, but if one is a money partner and that’s it then the profit is due to the efforts of others Not an attorney

However, I would like to put these "rules of thumbs" to test on a sample property and get your feedback.

He also told me if we ever see anything in our policies talking about mold remediation for say $4,500 then it's just to help cover the cost of the test, not to rid of it.

I think many sellers are "testing" waters with listed properties right now.  

@Pawnce Philip,If you click the link in my first post, the Onedrive location should still be accessible as I just tested it, however if not, here is the link again. 

In your contract it should be marked off what kind of sewer system you have on there.Also, if you're removing the tank, it's important it is properly removed and an environmental test is done to make sure there are no contaminants. 

@Christopher Petrillo, I would recommend doing a small sample test.