If you are remodeling it first they will probably have to insure it in stages (Builders Risk & Liability policy, Vacant building, Homeowners/Dwelling Fire) . 

The minimum openable area to the outdoors shall be 4 percent of the floor area being ventilated.Heat Source- RequirementsR303.9 Required heating.When the winter design temperature in Table R301.2(1) is below 60°F (16°C), every dwelling unit shall be provided with heating facilities capable of maintaining a minimum room temperature of 68°F (20°C) at a point 3 feet (914 mm) above the floor and 2 feet (610 mm) from exterior walls in all habitable rooms at the design temperature.

I have none (unless you count two human toddlers, which you probably should, lol).

Human nature is to not believe the worst will happen. 

An air conditioner is necessary for the general operation and maintenance of the building since it provides human comfort, making it real property.

However if sellers, as a rational and critical humans motivated only by maximizing utility, are willing to pay that amount, one cannot blame an agent for accepting such generosity.  

It's obvious you only see them as objects of contempt, parasites on the a** of humanity.

Here is the layout,, Main house has 3 units and there is a stand alone cedar log cabin 920 sq ft. (4 units total - 2 separate dwellings) There is also a two level garage that is attached to the main house.

Single Family Dwelling / detached house.Not FHA.There are a few portfolio lenders offering up to 95%. 

City records says it is 2 single family dwellings that is why there is only 2 electric meters instead of 4.