Otherwise- they might stay to the end, and/or start to remove items and tear apart the home while still there.

Conventional loans, which must follow the rules provided by the GFE's, at minimum, are all but commodity items.

They are the least expensive on most items. 

I take a lot of cash flow from my multi-families and pay off my own personal items with the abundance of cash I have, since I'm so rich.

The reasons why lenders do this is too time consuming to explain but the important item is that you need to find a lender who doesn't have this overlay because you CAN use your rental income to qualify. 3.

How often does the unexplained item, inconsistency or suspect reference result in a "nice surprise". 

A place for anything visibly broken or missing or maintenance items, chirping smoke, loud fridge hum etc.

It depends on the profit margin of the item.

I will order property inspection and will check each and every item carefully.

However to significantly upgrade, I would have to install an air conditioning system with ducts, etc, new stainless appliances, fancier cabinets, upgraded flooring, electrical items, etc.