The lender might make you put up a down payment.There will still a closing and some minor closing costs, but cheaper than getting fresh financing.

The house wasn't bad except roof was leaking into a freshly renovated bathroom.

You often have to take everything apart just to replace one piece, so might as well start fresh with some new guts and kick the can down the road another 5 years.

However, I'd like to get some fresh opinions/recommendations on the matter.

If you are already working with a realtor, it might be time to consider looking for a fresh set of eyes.

It's really a good product,  never rots, looks great with a fresh paint job.

Later I worked in the Criminal Investigation Division of the IRS,so the Internal Revenue Service, the Internal Revenue Code ("IRC") and I have been around the block together more than a few times.

The MFU, even 2-4s, have the necessity of sharing a common boiler and thus it's impossible to have ALL utilities separately metered.The generalization would be that all Oil based heating systems will present this same problem.Use of LPG or Propane might be solvable with separate meters per unit, but you need to investigate further.

Im still a fresh walk on at my school for running back :/Anyways, good luck.

The next best option would have been reporting it to the banks so they could investigate.