Let that realtor do some preliminary digging and inquiries with the listing agent that can help focus your attention during the walk-through.

You can file a police report and hope they care enough to do any investigating.

The point of the letter is essentially for the lender to express that the borrower has the assets/credit to close and based on a preliminary review of the property it should debt cover and yes we're okay with this property type/market but we still need to due our own due diligence. 

I'd be looking at building a side x side and have some preliminary drawings in hand.

There's a few stipulations on how the IRA can be used to purchase a property but it may be worth investigating.

I will investigate further on the method you described with running new wire.

Correct me if I am wrong but isn’t a federal discrimination complaint/ investigation is different from a civil lawsuit (where insurance would in fact apply)?

I had a similar situation with a dryer sparking and after investigating we found that the dryer had a recall on it for "exploding." 

We have another condo there for 3 years and know the market well enough to run some pretty good preliminary numbers. 

Our city requires a STR license and city inspection.I was reading through the list of requirements and nothing too bad (although the land line and wired smoke alarms in every bedroom is a pain in the)Then at the very end, it said the following:“Work without a permit will be forwarded to the building construction enforcement for investigation “The place is pristine and completely done.