No foundation issues, all exterior and load bearing walls are in good condition, roof is in fair condition and not leaking severely.

The HOA is $220 which includes pool, garbage, ground maintenance, and insurance on exterior building.

I still get home inspections.About a year ago I started getting condensed inspections though, it covers the exterior, basement, major mechanicals, and roof.  

Another option is simply the ridge cap flashing - it may be allowing water from the exterior to enter.I'd encourage you to have the roof substrate checked too... either condition may be affecting that which is not readily visible.

At first view of the exterior pic I flinched hard, but then later read that you will be adding shutters, so it should be all good!

If it is homeowners that are in foreclosure or tax trouble, then your phone calls might be longer (which means more money with a service.) than just getting a lead who is not in that situation.I also applaud you for trying to actually answer the phone calls as opposed to sending them to voicemail. 

Actually guys, contrary to common belief, ALL FHA loans are assumable, assuming the buyer meets the standard borrower qualifications, as opposed to Conventional loans which are not assumable.  

The Single premium MI is more pricey as the risk increases to the lender so you'll notice the single premium is much cheaper when you have 10-15% down as opposed to 3-5% down on conventional financing.There are even 0% down programs for FHA and conventional where government entities come in with the grant for the 3-5% down payment so the borrower in essence is 0% down payment (primary residence only and sometimes first time buyer requirement).Hope that helps and that is the real darn truth not the BS you hear about MI. 

Sometimes I miss all the opposing teams screaming at me on the sidelines !

I'll upload all of the interior and exterior before/after pics eventually.Basically, these are frontal pics of "curb appeal" progress, starting from oldest to most recent:(It started out very overgrown...)