I would say that the challenge in both cases was "lack of knowledge" regarding their lending options.

You need to consult with a lawyer, especially if you didn't sign anything acknowledging the property's lack of habitability and the seller's disclosure didn't mention it. 

She's a single mother who migrated to the US from Southeast Asia and, lacking much formal education or guidance on retirement savings, has been working as a caregiver for the elderly for most of her life.

After a few hard phone calls, and several weeks of back-and-forth, my client decided the lack of trust in the seller, and the multitude of issues were too much for even the best deal on paper; and this may have been excellent.As agents, we constantly walk the line when it comes to judging a "good deal". 

You project an unbecoming lack of humility, imo.  

In the rental I just bought the home inspector cited lack of a fire wall between the house and the garage, so I had a contractor put a fire wall in even though EV charging wasn't even on my mind, but now I am glad I spent the money.I am not against EV's.

Also, often the details gathered to pull permits of often lacking.

The only thing that lacks for us at the moment is finding that way.

She was unprofessional, deceitful, and lacks any ethical back bone.

Market research and a better understanding what, where, and when to buy is all your lacking.