I would add have an unbiased party (maybe another experienced local investor, someone not involved with the sale of the property) do a detail video walk-through and pay them $100 or $120 before submitting an offer.With overextending yourself and leveraging too much, I've decided not to buy anymore and take out more mortgages at 7% rates for now. 

Something of that size your accountant will absolutely tell you to submit a 1099.

I considered ordering the lender's inspection/appraisal, but this wasn't an option because the water and electricity are currently turned off, and HUD won't turn them back on until I have submitted earnest money of $2,000.

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

With this bank, they only required time stamped photos to be submitted to prove their was no damage. 

We quote based on the estimated FICO score you provide so if done right with accurately submitted numbers (property income, expenses, taxes) then the actual credit pull on loan app is the only way a rate would differ from the quote and term that is rate locked for underwriting or if the loan app is submitted in a large enough time window in which rates could have changed (we're in a dynamic rate environment so by the day and the week rates fluctuate). 

I recently applied and submitted all the required documents.

The 5 house package , I will show 5 houses within a 30 mile radius ( extrs $2 a mile past that ) submit up to 3 contracts .

I stopped buying in 2021 but when I was still actively submitting offers around 2019-2021 we were getting blown out by a wide margin.  

Reason I ask is one of them is two years behind on submitting their financials to the SEC and other required reports.