They would sell you the clothes off of their back whether you wanted the clothes or not.

clothes washers,?

They will always add the higher income earner and put most weight on them for a loan.Historically on loans the bigger earner always carries the mortgage payment out of the two.The credit comes in from someone can make a 100,000 but spend 120,000 and someone can make 50,000 and save 30,000 so it's income earned and how they use it (credit score) that makes a difference.To be able to sell the loan off everything has to fit in a nice little box.If it doesn't and is approved someone's job is going bye,bye real soon.Most local to regional banks in my area will not touch any what they term as EXOTIC financing.Meaning anything outside the norm.They want to get existing junk off the books and make loans that on paper have a very low chance of default.From what I was reading certain parts of PA is one of the first markets rebounding in the country for values.I would look at clothing,cable,vacations,increasing your real estate closings,etc. to increase cash flow and reduce debt.If you work at a brokerage work on getting your brokers license so that you keep it all.That will increase your income right away.

Take a look at the house pictures on my blog...we fully furnish the house, minus clothes and toothbrushes...

I would like to know if I am doing my calculations correct because I only own one shirt and if I loose it I will be the king with the new clothes.

You need structural engineer to clear that building as to foundation and exterior walls or anything left.Fire restoration is a specialization, not just due to the smell and impossible cleaning of clothing, protective gear and the mess having possible environmental issues but you need to know what has to be cut out and what can be salvaged.If it were in my neighborhood it wouldn't be sitting there at a price like that.

However, this tenant left personal belongings (mostly bags of baby clothes) in the house.

I have not found a way to test the clothes washer drain line yet, and I've gotten hit by that once twice now.  

Just don't try to take my Spanx (which are worn under the clothing and not on top). 

I would recommend cleaning up because his new landlord may be coming in, but if they choose to leave clothes all over and dirty dishes, that's up to them.