While it may not sound like a big deal at this point say you find a big item like broken beam in the attic.

But the random inspections are not ok in my view - there should be a warrant process - Not a hey were inspecting and found these violations x & x etc.I fretted the first one as they provide a list and some items were a bit crazy. 

In the analysis spreadsheet that I developed for acquisitions, I use $1500 as the number for closing costs (title attorney only; mortgage origination is a separate line item) and I believe that will typically overshoot it. 

The only additional item required to buy these is a good dose of patience.

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".