Would you work with a public adjuster? 

Take the feedback and adjust accordingly.

I also came across a 754 election which is one process for adjusting the cost basis to the purchase price.

If there is smoke or water damage contact a restoration contactor (I've had clients use Belfor and they were pleased with their service (do not sign a contact with any restoration company without the ok of the Insurance adjuster.  

~Adjust pricing...this can really help!

I would suggest adjusting the price based off similar comparable units in your marketplace simply by going onto Zillow, or other similar sites, and seeing what is moving and what price point that is.

For the local population it was harsh and they're still adjusting.

So, I'll for sure adjust how I communicate in future to avoid that disconnect. 

You don't know how the process works so I don't know why you think you would be getting offers accepted without a pre-approval or proof of funds.You get a pre-approval with a lender you know and every time you make an offer, you just have them adjust and confirm the date and the new property address.

TLDR: If you're in year 4 of 10 and pay the mortgage off, your payoff balance will be adjusted to reflect the cost of buying a gov't bond that will produce the equivalent amount of dividend payments for the remaining 6 years (in other words, one way or another, the lender is absolutely going to get their 10 years of payments).