Result: I ended up only asking for the oil tank removal and also suggested what @Mark Langdon said about doing the soil examination.

Your advantage is you can examine each property more carefully that I can.

If you have a business or multiple businesses like I do, FHA will examine the average income/losses over the past two years.

On the side i buy and resotre old early 1900s houses :) The leverage aspect of all of this has been nervre wracking since as a cash buyer I am used to keeping all my cash flow.  

You can look examine and see what the difference is between them and then pick and choose what you like on them to create your own. 

I'll wait for a CPA or perhaps a regulatory examiner to chime in.

Rapid appreciation says "We Recommend Careful Review of the Following... examine the most recent prior sale price in relation to the current appraised value."

If you lied and slide by and a future incident arises, your file will be examined and you'll get to explain later.A borrower doesn't determine the type of loan as to commercial or residential as it can be booked by the lender, just because you are a landlord doesn't mean you have a commercial loan.

Another thing is that she's told you there are no major maintenance issues, but virtually everything I've read says to examine the property first hand if at all possible, there may be problems she isn't aware of, or even worse, purposefully hiding from you.

Look to holding costs over time, tax considerations and depreciation and expectations for appreciation need to be considered.How you finance an asset over time needs to be examined over time to ensure the asset remains profitable.