See below for explanations, with headings taken from the attached document.Broken windows or exterior doors-The two narrow windows in the living room do not fit into the walls properly.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

About 3 years ago she agreed to do a deal with me and we found the property and applied for the mortgage together and got to the inspection where a terrible problem was found with the foundation and that the walls of the building were significantly bowing.

So if there is a fire due to natural cause, HOA insurance will cover the cost of exterior repair like painting the exterior walls.

Use of Euro-style wall units for air-con.. 

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

But ...The first thing I observed was the replacement cost portion of the quote, was, IMO, less than what it will actually cost to demolish the remains of the existing structure, pay for any hazardous waste removal following a catastrophic loss, and actually pay to replace the property in the event of a total loss, even though I used the quote feature to increase the replacement cost value by 20% (the maximum it would allow).

I can see in that one pic that you could use a bit more artwork on the walls.

Instead of wasting 20 hours a week on your phone or TV, work a part-time job to accelerate paying down the debt and saving. 

The only big issue I ran into is on of the basement walls needed extra support, I don't think a newer build would have that issue.