Bank fraud is investigated by the Federal Bureau of Investigation(FBI) and is punishable by fines of up to $1,000,000, or up to 30 years in federal prison, or both." 

They are a private company and are not restricted access or kept from doing an inspection from the government unless the house is under some sort of government claim such as eminent domain, crime scene investigation or condemned.

We've got it on our list of bugs to be investigated.

I would encourage you to investigate MetrolinaReia.org for opportunities to network and meet like minded folks.

Yes I've been investigating the area for while now.

You may need to ask detailed questions to get the full answers but it could become difficult to walk you through this in a forum like this.Before we prepare a purchase agreement for the land we do a little investigative work to see if the land is suitable for our needs

In Colorado every county has its own codes - not sure about California -  you might investigate them and bring your property into compliance as much as possible even if you don't formally get a permit.

Do to the fact that they’re more in depth with investigation?

If an investigation indicates the individual or business is not properly licensed, DPOR may take criminal action." 

I am now beginning to think that bank advertising dollars are trumping any real investigation.