@Matt Crusinberry I was under the impression that HML is not available for owner occupants.

if they neglect them , usually means they don't want to impress the neighborhood anymore.With overgrown bushes could be a timing thing and they just haven't got to it... with the roof and mold, could be they just dont have the powerwasher or tools at the time....

I was under the impression that FHA loan with 203k would cover 100% of the cost for home and renovation and only require a 3.5% - 10% down payment (I have a good credit score, so hoping it would be closer to 3.5%).

Anyone ever staged a home for a better first impression?

My impression is that more people tend to own their homes out there because they are more affordable.

If there is a way you can reach out, to your BiggerPockets’ Network and ask them about their impressions and/ or sentiments, of the aforementioned REIAs, I would encourage you to do so.

But being so, I was extremely impressed with the class of auditors, insurance, etc...

I don't know this GC, but his initial impression online and over the phone (been in business 40+ years) seems pretty solid. 

I was in shock as I was under the impression that there would be no charge (as stated by my tenant) as they did not find the issue.

Length of credit impacts your score as I'm sure you know - or at least don't close your oldest card.I'm under the impression that the ability to get conventional loans is about your DTI and your credit score (depending on what type of property you are purchasing), so it seems logical that if you have high percentage of DTI, you wouldn't get a loan...