I'm sure there are others who would simply take it into consideration along with everything else.As for un-inspected work like that, the ultimate buyer would most likely have to get it inspected by the county. 

He indicated the rates are back down to where they were a couple of weeks ago after rising a little. 

Also why would a bank pay considerable more than the appraised value and higher than the ARV?

@James Mc ReeThe perception that rates are low from the Feds announcement is driving demand for refis even though mortgage rates are rising.

For some of us, this may mean temporary loss of employment, or a reduction in income.We stand with you during these times, and it is imperative to work together to get through them smoothly, taking each other's needs into consideration and embracing a team effort to overcome the potential effects of this experience.We are committed to coming out of this with each of our tenants and their families in the same position as we are now.

I have been analyzing the properties with the consideration of living there the first year as well as once I move out and am renting out all units.

Once our borrowers carve thru their reserves (if they have any in the first place) then defaults will rise. 

“These factors will likely result in a surge in defaults, with a default rate on nonfinancial corporates in the U.S that may rise above 10% and into the high single digits in Europe over the next 12 months.”https://www.spglobal.com/ratings/en/research/articles/200317-economic-research-covid-19-macroeconomic-update-the-global-recession-is-here-and-now-11392265

Treasury Secretary Steven Mnuchin warned Republican senators Tuesday that the coronavirus pandemic could drive up US unemployment to 20%, a Republican Senate source told CNN.Mnuchin's comments came as he urged Republican senators to act on economic stimulus measures totaling $1 trillion designed to avert that kind of worst case scenario.In the same meeting, Mnuchin also said he is concerned the economic ramifications of the coronavirus pandemic could be worse than the 2008 financial crisis, the source said.Mnuchin's comments, which were first reported by Bloomberg News, come amid a rising sense of urgency at the White House and on Capitol Hill to confront the increasingly serious threat of the coronavirus pandemic — on both the public health and economic fronts.

Perhaps that consideration will happen in time.