We let the tenant know that we are more than happy to send someone out but if our findings are that it is not a true maintenance issue, the cost of the visit will be their responsibility.   

If there is TRUE built in appreciation you must find it on your own or with an amazing real estate agent that is a hustler! 

I was born in a little village near Amsterdam where I lived at a beautiful lake.

Very nice photos that is a beautiful American Bull Terrier.

This is true only for properties that will be occupied by the borrower.

Is there any code that outlines the true rule in this case, or are we dealing with one of those situations where it simply hasn't been ruled on yet?

That is true, not just with Waco. 

Otherwise it's creative accounting which isn't true.

In that case try to find a buyer willing to pay more than you owe.If you want to go the ambitious route, they you need a true estimate of cost to make it rent-ready.

And if I wasn't supposed took st a question in my introduction post I apologize, like I said I'm a true newbie.