Your only real option is to send in an email support request and describe the problem in great detail.  

There are a lot of great resources on the site that describe this in greater detail, so I'd definitely recommend searching the topic.Regarding your direct question on funding, you can get financing with a low downpayment if you owner occupy the property, which is the reason house hacking is such a great way to get started.

For your convenience, we have attached a form you may fill out and return asking you to describe the overall condition of the unit, the neeed for any outstanding maintenance and your impression of the common areas.

@John Thedford  believe it not your transaction you described above would be illegal in Oregon .its against the law to buy a home in foreclosure and lease it back to the owner you bought it from.

Though the chances of that happening to both the carbon monoxide alarm AND 3 smoke alarms at the same time are slim, I will give you the benefit of the doubt rather than assume that they were deliberately removed.That said, I want to remind you of item 11 section 3 of our agreement, which states: Tenant shall replace furnace filter every 3 months and test smoke and carbon monoxide alarms monthly, replacing batteries (or informing Landlord of need for replacement alarm) whenever necessary.and item 21 section b, which states: No smoking of any kind is allowed anywhere in or on the premises, including in the yard/s, on the front stoop, in the garage, or in the driveway, etc.According to ORS 90.325, Tenant Responsibilities, section (2)(a), a tenant may not remove or tamper with a smoke alarm, smoke detector or carbon monoxide alarm as described in ORS 105.842 (Tampering with carbon monoxide alarm) or 479.300 (Removing or tampering with smoke alarm or smoke detector prohibited).

I would do exactly as @Jd Martin described.

To all,I did some digging on the TN VPL, Valued Policy Law, and found answer to my previous questions on the Loss Payment value the insurance company should pay in the event of a total loss by fire in TN.Here is the answer: In the situation described above, the loss payment should be the Limit of coverage as stated in the policy.  

What you described is a security and it needs to be registered with the SEC.

I did an inspection on a property on Cecilia recently that was listed at $175,000 and it was a duplex exactly like you are describing. 

Many renters are painfully ignorant about what they have insured, and many believe that the landlord will pay for what was described above.