Clauses that are silent on pandemics, epidemics, or other viral outbreaks are likely to be insufficient for a force majeure defense due to COVID-19, unless, of course, courts liberalize the force majeure analysis to account for market realities.[11] If a force majeure clause clearly covers COVID-19 as a qualifying event in light of the WHO’s declaration, parties seeking to invoke the provision will not need to establish the event was unforeseeable, but will still need to show: (1) that they took steps to mitigate the damage, and (2) that performance is truly impossible (or meets any other standard the clause requires). 

I'm not seeing any high end finishes in these.That’s what I am seeing in most areas all in including drawings, Enginering, surveys, permits, inspections, tap fees, utilities, site work, temp power and temo toilet, trash and sweep outs, Fiber cement siding like hardy plank, architectural shingles or better, hardwood, ceramic tile, granite countertops, upgraded appliances and cabinets, upgraded light fixtures plumbing fixtures.

However, if your seller is savvy and knows you just remodeled his home, he could simply evict you so tread lightly.

One item you didn't mention was light fixtures and plumbing fixture upgrades.

OK everyone listen very carefully.And let me warn you all.

Make sure you put a big warning on top about only using HE soap if it’s a new model. 

Fair warning - I have no personal experience of using these loans, just know what I know from word of mouth. 

Full Doc light Doc and no Doc with low DCR (1%)

How confident are you that you could order the right plumbing or lighting fixtures that match the hardware you've got in the walls?   

Splash & Dash (paint and light repairs)?