I don't install low flush toilets either because they also do not increase my profits.

Replacing the ceiling fan light switch isn't so hard; the fan switch can, of course, involve more wires.Remove them, go to Lowes, buy the 6-pack of Project Source flush mounted ceiling lights for under $45 (or the 2-pack Project Source LED flush mounted ceiling list for $40) and donate your ceiling fans to your local Habitat for Humanity store (if they'll take the things; sometimes they only want the globes).Just had a friend working on her older rental house that had 5 ceiling fans (include two in the kitchen; again not unusual in these old houses); half wobbled, the other half had burned out bulbs or broken switches from her previous tenants. 

I have a water softener, but haven't always had one, and I've only flushed it a few times.

Do they keep flushing the toilet without it going down?

FHA mortgage insurance is for life of loan...it did not use to be this way, and will probably change in the borrower's favor later this year, as FHA is flush with cash after years of losses. 

Hats off to you, and good luck on the BF...hope his grandma is flush with cash too :)

You may want to charge a little higher rate to cover cleaning carpet more frequently, plumber for when toy gets flushed and toilet clogged, etc.

Scale, hardwater, well water with sand in it, debris from flushing hot water tanks, debris from dip tube failures in the hot water heater, all play havoc with all modern fixtures. 

The hot water heater is 21 years old, however, I had the tanked inspected, drained and flushed a few months ago by a licensed plumber and there were no leaks or other issues.Can anyone provide a solution that would be satisfactory to an insurance company and won't require me to replace the existing hot water heater?  

Stained ceilings are often a tell-tale sign of leakageThe interior walls of the property must not have chipped or peeling paintPlumbing and Sanitation The property must have a fixed water basin, flushing toilet and shower/bath tubThere must be no plumbing or water leaksThere has to be hot and cold running water in both the kitchen and bathroom The bathroom must have either a window or exhaust fanThe water heater must have a discharge tube that drains to a floor pan, outside, sink, or other appropriate place.