If you just hire the cheapest or first PMC you speak with and it turns into a bad experience, please don’t assume ALL PMC’s are bad and start trashing PMC’s in general.

Quote from @Marcus Morin: I hate being the bearer of bad news, but you must watch this one carefully.

Financing either is a bad idea and will raise a red flag with a lender who will look at sources and uses of the loan request.

If you just hire the cheapest or first PMC you speak with and it turns into a bad experience, please don’t assume ALL PMC’s are bad and start trashing PMC’s in general.

An IDGT is a type of irrevocable trust that treats the grantor as the trust owner for income tax purposes (they pay the income taxes for the trust during their lifetime), but the assets contributed to the trust (a completed gift for tax purposes) are not included in the gross estate of the grantor at their death.

It's too bad that physical limitations equate to "funky changes" in your mind.

It may be that coming from New Orleans, where I waded through waist deep water about 10 times in two years to get home, it doesn't seem to be bad in any area that isn't directly on the water.

I would make a site visit to where they live now and see how they treat the current property.

Seems I missed an important details, my bad.  

That is REALLY bad news because dryers generate a huge amount of humidity and those damp spaces are an invitation for mold and wood-rot problems.