Title companies don't want the responsibility, in most cases, of obtaining the affidavit. (2) T-19.1 and T-3 are my most commonly requested endorsements, and are less expensive if purchased together. (3) In order to get "Right's of Parties" removed, most title companies will say they will have to do an inspection of the property.

You could get an inspection to be safe in future.  

If all goes well with my inspection I will be closing on a small duplex in a little over a month.

How routine are in your Inspections?

And I would contact the county inspections office to let them know what happened.

Maybe plan to have the property inspected every 6-months to ensure it's being taken care of ?   

First would be acquiring the property: Inspection cost, appraisal if financing, and then closing cost. 

An inspection may not be a bad idea to to make sure your bases are covered for major issues such as foundation, roof, mechanicals and etc. 

You can put 20% down and avoid the mortgage insurance premium (mortgage insurance for conventional has MANY choices: lender paid with higher rate/ split/ monthly.... and so forth but it is much cheaper than FHA 1.75)Home Ready may have income limits and county limits FICO 620 minimumDifferences are: cost, can you qualify, how the individual regulates your inspections which is lender specific

Driving in the neighborhood. 20k less than asking price,cash offer no inspection and closing within 4weeks.