If they are stock sizes, it might be more cost effective in the long term to replace completetly; but that depends on how the windows tie into your existing building skin.

If I ran a bank, I'd want skin in the game.

On the surface it looks like the bank is not accepting those offers but accepting lower cash offers.

That house could have it in stucco, window putty, drywall joint compound, ceiling texture, sheet vinyl flooring, vinyl floor tile, flooring and other mastics, HVAC ducts, and other things - most major surfaces.

If a lender offers a deal where the borrower has little skin in the game or just "sweat equity" they are not giving you a loan, they are buying your project which likely you will be removed from shortly.

They all (in my experience) require the borrower to have some skin in the game.

It is definitely a process, involving a very thorough cleaning of all affected surfaces to get as much of the odor out as possible.

The lot meets the surface area requirements and 50' of frontage.

You'll at least want a couple air quality and surface tests (about $100 a piece) and given that there will likely be a couple months between the flooding and your taking possession, it's quite reasonable to assume that spore counts will be elevated.

The other thing you can ask for is a cosigner from someone with better credit.Usually they move on to another landlord with lower standards but I have people jump through my hoops and with the extra "skin in the game" they have been better than average tenants.