It’s like using a power tool with a safety guide, yeah you can get around the safety (loan qualifications, bank overlays) but unless you know what you’re doing, the alternatives (hard money, etc) could have you ending up with 9 fingers.

The appraiser is the eyes of the underwriter, and if he says the 5 foot ledge with no fence is a safety hazard, then you (or the seller, or one of the agents, etc) are putting a fence up that'll make the appraiser happy. 

I was trying to avoid flood insurance and other coastal related hazards. 

Cover. now it is no hazard but you still see it.More expensive but totally eliminates the issue.

I called the health and safety board and they said its legal.

Some of the tenants are concerned about their safety.   

Somebody to call if there's any question on his safety. 

I don't believe it is safe for her to be in there and I need to do the repairs and update the place without a tenant in there due to the safety issue.  

Safety because of more tenants?

This is obviously a safety issue for future renters so that no one has access to their home.