Lastly if there are local ordinances like fire alarms and lead regulations find out if they are in compliance. 

Yes both sides are currently rented , the structer seems sound, but inspection inspection inspection and I'm looking for another insurance this quote came from usaa with a deductible of 2kSomeone please tell me if this look right for closing cost on a va loan Processing Fee: $650Real Estate compliance Fee: $495Admin Fee: $870Appraisal fee: $550Credit: $50Re inspection Fee: $150 – this is a just in case appraiser needs to go back out.Pre-paid interest: $209.60First Year of insurance: $1020Escrow deposit: $750.99Closing Fee: $550Title Insurance: $334Courier Fee: $50Recording Fee: $90Prorated taxes: $1562.22 Closing cost Total: $6672.21Any all feed back is welcome

It's tax defaulted and is racking up the usual vacant property code compliance issues.  

Further, most REITs and larger owners/management companies hire a risk manager to make sure that they (owners) are in compliance.

Maybe this 12 month waiting period is how the regulators (who just might be frustrated over this non compliance in the re-performing world) are trying to protect the borrower.IE without full doc and ATR who's to say the non-paying borrower can actually afford the new note that is $100 off the old monthly amount and 30% lower principal?  

In my area they usually give us a year, which is plenty of time, typically we are done in six weeks.I have changed my opinion about code compliance and inspector in general.

Here on Bigger Pockets it is very popular to suggest that one can make loans through MLOs and avoid any responsibility for licensure and compliance.

There's an originator (me), an opener, a processor, an underwriter, a compliance person, a disclosures person, and so on, who are all full time professionals that basically think of nothing but compliance and guidelines because it's their job and their *** and their livelihood if they miss something.

Uncle has a lot on his plate but has to get the property in compliance or fines will only increase.

I have experience with the Administrative Certificate of Compliance (ACC) process in Sonoma County with an existing unit on the property.