saying you don't want to remove the tub bc you may uncover more unknown issues is like saying you don't want to go into the attic bc you're afraid the roof may be leaking and you may find water...in my opinion, resurfacing a tub that has "issues" is putting lipstick on a pig in some situations...i just called a contractor the other day asking for prices..500, but he said he'd do the tile surround for another 300 bucks....NO THANKS...i can have my contractor throw in a brand new tub for way less than that.

If he's offering the seller financing, there is a reason and you should dig to uncover what that reason is or you may be getting taken for a ride. 

A title search would have uncovered this.

Digging deeper, I uncovered an eviction and a total of nine landlord tenant cases (none of which came up in my screening services eviction report BTW), a prior bankruptcy, and a prior foreclosure on a house that was inherited (just cashed out to get loan).Saying no is easy sometimes.

Sounds what you're looking for is, you want to make an offer that will get him to uncover his magic number.  

Also, you don't want uncovered windows that either look vacant or a person walking by can look in and check out the merchandise to steal.

One bad uncovered claim and poof, there goes everything.

Many shouldn't be, but they do, so I guess an inspector is a good way to put them in their place and readjust the level they "believe" they are at.My main use of a home inspector isn't to actually uncover issues, but rather to write up an "official" report to lean on the sellers with and get them to lower their price.

(you fill the blanks with your conclusion here).Bottom line, check out how many countries in the truly developed world have coverage for ALL their citizens, as imperfect as that may be, and how many allow their weak to go uncovered, with all the consequences that stem from that.

There are investment opportunities with great returns and I've spent years working on uncovering or creating such opportunities and create win-win relationships.