For the ground floor (non-permitted) we need to do some bathroom improvements which are not presently to code.

The reality is an investor needs to first know what type of investing they want to do and understand presentation and negotiation before they do any marketing.  

Hi Joseph,Shelby, NC presents some interesting opportunities for real estate investment, but it also has some potential challenges to consider. 

They were struggling to find a new place to live and needed financial help to secure their next steps and provide Christmas presents for their children.

Present your investment opportunities to your investor list and capitalize on the power of referrals.

And make sure that all items necessary for you to get the best rate possible from your carrier (like 4 point inspections, roof attachment points, pool enclosures etc) are present or available.One nasty little factor that can't be helped is that every time you buy a property for more than than last owner paid - you will have a tax bump due to re-assessment. 

I will present two (somewhat technical, sorry) points that are essential for the specific question asked by OP.1.

Even though they maybe “out of service” many insurance companies will not insure if they are present.

@Michael Schaffer  Gas stations present some unique challenges. 

HUD loans sometimes have specific conditions related to repayment or subsidies that might affect how they are handled.Balance and Unpaid Amounts:The discrepancy you mentioned between the mortgage statement and the HUD loan amounts might indicate deferred principal or accumulated balance under specific conditions of the HUD program.