I am hesitant to wait until I can do a 3.5% down payment without running me dry, but I don't want to miss out on potential appreciation \ cash flow opportunity.

claims this is normal wear and tear.i'd like to hear your opinions on what you'd do and how much you'd charge.there was a lot of dog hair on the carpets. 

@Austin Hair hey!

A picture will have them judging, is she hot, is she not, is she hotter than me, is she not, is her hair nice is it not.... 

The only thing new in the world is the history you do not know (according to President Harry Truman).(1) deflation: During The Great Depression (1930s) and The Great Recession (late 2000s), lenders went out of business and money dried up.

Today we cut out all the drywall and removed the flooring so it could dry out and not grow mold.  

If you are trying to do a finished basement you'd be better off getting a contractor in to do some additional drainage as well to keep it as dry as possible. 

Unfortunately, it's the wrong time of year to run the a/c which would help dry it out. 

If there is visible dry rot, peeling paint or railings that wobble expect the termite.

If you were to bring $5M, then that could be very attractive as it might allow a sponsor to keep some of his investors powder dry for another deal.