And the mere mention of it has scared off a few lenders, who have said if the appraisal comes back subject to repairs, the mold will have to be remediated before closing.

You can put that amount down up front or you can use a low down payment option and wait until the equity builds up through property value increase.HML vs. traditional banks/lenders is merely the conduit on how you finance that down payment, and it's relevant to the equity you have.

When you merely reposted my advice, I must admit I was confused. 

It is a mere assumption dude!

Merely bumping the thread is not likely to inform them all.I know if I posted a request for his information and saw the thread has been updated I would probably just assume it was another "please send me" post and move on.

Well here is the responses I got from the agent in my state and possibly some good news for the policy holder.

Especially bonus depreciation related to residential rental real estate.I suspect that if you're reviewing your "2018" books, merely "talked" to accountants you don't seem to have engagements with, and are now asking about bonus depreciation here on September 3, 2019, you're probably going to use and rely on the advice provided in this thread to DIY your extended tax return. 

Typically the way that a servicer becomes aware that the title has changed hands is the insurance policy changes and shows a different person or an entity as the policy holder which is different than the person that took out the loan and was recorded on to title. 

This is by no means aimed at the OP but merely for discussionHow do you think a tenant would react if they brought me notice to terminate and I told them no I wanted them to continue to stay there and pay rent ?

Of course, this is mere speculation...