Yeah Yeah Yeah... since TCJA these federal deductions disappeared, but some states still allow for them to be deducted.

If you don't have enough random deductions to warrant itemization and you simply take the federal standard deduction, then your primary interest doesn't do you any good. 

Additionally, it can help maximize renovations and improvements.A Cost Segregation study is an IRS approved federal income tax tool that increases near term cash flow by utilizing shorter recovery periods for depreciation to accelerate return on investment.

Some plans include house hacking, seller loans, flipping, creative deals, private cash, group deals, sweat equity, and government help.

The government of Florida (and other states) require building inspections and money be set aside (Reserve Funds) to fix problems so that things like balconies crashing to the ground doesn't happen.Her HOA has underfunded their reserves.

Contacting the EPA or other government officials?

I can't imagine a government lending agency remodeling properties.

But now it seems taxes have increased, additional government fees, ie lead testing for any property built prior to 2017, and also increases in sewer / water rates.

I used to work on the naval base right out of college for Navy Federal.

For your primary residence, lenders have to abide by federally required ability to repay (ATR) rules.