Try not to penalize the owners with a bad review.

Each month a designated member will select a property to review.

I researched and arranged for a home inspector with all great reviews.

You might want to look up James Wise he operates in Cleveland.If you're going to be looking in Cleveland I suggest reviewing The Ultimate Guide to Grading Cleveland Neighborhoods.

If they do deny liability I would first review the contract for sale and purchase and the deed and see if it excludes outstanding utility bills and code enforcement liens from liability and shifted the onus for confirming their status to you the Buyer. 

This is the breakdownLoan CostsA.Origination Charges$1,7820.325 % of Loan Amount (Points)$492$150Application Fees Lender Fees$1,140B.Services You Cannot Shop For$1,044Appraisal Fee$850Attorney Review Fee (TX only)$150$13Credit Report Undisclosed Debt Report$31C.Services You Can Shop For$2,699HOA Transfer Fee$150Resale Package$300Survey Fee$539Title - Document Preparation Fee$50Title - Escrow Fee$425Title - Guaranty Assessment Recoupment Fee$2$130Title - Lender's Endorsements Title - Lender's Title Insurance$1,103D.TOTAL LOAN COSTS (A + B + C)$5,525Other Costs E.

Search Amazon and look for ones with good reviews.

Determine your price range, review your financial situation and if you need to finance, check out your options.

These can all be negotiated. its critical to review your own loan documents for what the bank's definition is to ensure you're in future compliance and not in default.

Once they reviewed my return I had about 3 more weeks of homework to explain why I created a new company in 2020 . . .