An engineered wood floor of good quality( not the box store 5/16 garbage) would be a good choice and handle the temperature and moisture extremes better.

Conduits and panel is exposed to moisture.

This is easier to maintain than messing with paint due to high moisture / humidity issues. 

As a part of that, and being an authorized HUD brokerage, we do a lot of work with investors.To maximize penetration we have expired listings set up by county.That daily notification is something we distribute to the investors based on where they buy... some get one list, some get as many as five.It takes five minutes, and we offer it as a "service"...

However, it is a potential weak spot as it is very susceptible to moisture damage and there is a lack of accessibility to make any repairs which is why the GSE's will not underwrite them.  

There appears to be some stains indicating seepage.We just did this kind of foundation repair on a house with steel beams 6 ft oc with an interior moisture barrier and an interior drainage tile with a sump.  

The area behind the wall would be filled with gravel and it would have drains to allow any moisture that gets behind the wall to escape.  

I would love some cheaper design ideas for the basement, but I want something that will stand up to moisture issues.

This tends to lead to mold, rotting floor joists/sill plates, and other moisture based damages and problems.

I have asked a lawn care company about sodding it just to get ideas and it will be very costly and they also cannot guarantee that the sod will last due to 1) large trees causing shade and sucking all of the moisture out of the ground and 2) poor soil in that area.