For real estate and investing, it is more insulated to pricing swings than some other parts of the country.

Might consider insulating it also with some blown in insulation. 

Regardless, you want to leave lots of room between what the market will bear and what you pay to insulate you against unknowns.

Issues:- Foundation issues as I mentioned before- Downspouts are lacking extensions- The water heater is older (around 17 years) and may be past its prime- The electrical panel cover is missing some screws- There are a couple outlets not secured to the walls correctly- There are missing GFCI outlets in the kitchen and bath- There is no insulation on the water pipes- There are not smoke detectors and CO2 detectors in all areas that they should be (it's recommended to have one in each bedroom and one on each floor which includes the basement)- The attic space could use some additional insulation- There are a few corner pieces of siding missing on the exterior- The grading around the home could use some adjustment- The gate part of the fence needs to be re-adjusted for alignment- The wood on the garage needs to be re-paintedIt looks like a lot, but most everything is small (other than the foundation and grading).  

The insulation on the wire may be worn away or damaged which would require replacement.

Perhaps she is too sensitive to the noise, I don't know.It was suggested that I insulate between the upper floor and lower ceiling, which I am willing to do.  

Its a complete interior gut including insulation and sheetrock.  

I wanted to quiz the members about a few things:If there is no insulation and the tenants pay for electric heat, is it worthwhile to include insulation costs for attic and floor in the initial loan?

It's important to go that extra mile to insulate yourself from worst case scenarios or things out of your control.Also, hard money may still have been feasible here if I had a bank lined up and ready to go with a cash out refinance. 

Is the wall insulated?