So I've finally gotten around to refinancing this house and the appraisal came back today.  

@Ben Ballinger - typically I'll show the seller my calculations (income approach, sales comparison, cost and final value reconciliation) and reiterate the previous discussion that I'm an investor and if the numbers don't work, its nothing personal.Working with a realtor/agent can make this conversation more difficult, in my opinion.  

Well, we finally closed on Friday and now I can do the big reveal on our financial specifics.

Next I'd nail down the subfloor panels and lay a rubbery cork like material over subfloor.

I'm a part time stock market trader and that took me 3yrs of my busy life to finally click and start placing trades confidently so I know this field is probably not that different but I will take it 1 day at a time.

And finally, are they obligated to disclose any back dues to 3rd parties or are we to bid on the blind.  

Do I want to buy the house for more that $450,000 (if I'm given the choice) so that when I sell it and there's a gain I won't get nailed in taxes? 

The only time I typically see permits checked during a closing is by the title company when they run a lien search, and that's just to confirm there are no open permits that have not been closed out by a final inspection.Also, many interior renovations do not even require a permit (plumbing, electrical, windows, and structural changes certainly do, but not cosmetic stuff such as flooring, cabinets, countertops, painting, light fixtures, etc).My point being, refinancing may be a viable option (it sounds like you were already thinking along those lines).

Hello, I've been following this website for a while and now decided to finally join.

An FHA inspector has to approve all work based on the scope for you to get final payment.5.) all code work has to be addressed first followed by cosmeticMy best advice is for you to call your 203k rep & get this all worked out.