On this topic, if the interest rate plus points is in excess of the state usury limits, then a lending license would be required and as such, a hard money lender would need to be used."

I have an unfinished basement that we noticed has some mild to moderate levels of moisture on some soil/dirt on the floor we just discovered.

Mold can be a little trickier as you have to figure out where the moisture is coming from. 

That’s the easiest way to face penalties in excess of the total security deposit. 

If they were deteriorating, with moisture getting through the grout lines (if tile walls), they will continue to deteriorate behind the shiny new paint.A potentially bigger issue is the overall age of the tub/surround/piping.

They also did a French drain inside the house, but the excess water flows to a sump pump that pumps it away from the house.

In my opinion, the inspection itself is purely a money grab for the City if not for the excessive fee of the inspection but also the pulling of permits to follow to fix the violations.

The LL is NOT responsible for tenant belongings stored in this area that may be ruined due to the moisture/water, as water could be possible. 

Generally, an umbrella policy covers any excess damages that haven't already been paid by your underlying policies, but those policies need to pay in the first place, and then the umbrella kicks in. 

@Brandon Schlichter  in your sand box I think it makes zero sense.ONe of my vendors decided to go to Cleveland last weekend and they bought 4 homes while they were there.. were as where they are working in Orlando its hard to buy 1 a month.you folks are blessed with excess inventory when other areas are starting to get very tight.so buy while the buying is good...