I can't speak to your experience but I feel like some are fairly obvious, like dark spots on the walls which could signify molding which could be costly depending on the severity. 

Lending/Financing is where I need the most education    - Throughout our investing so far, the part that I've been the most 'in the dark' about has been financing.

I just wish the money here had big, seedy holograms that sparkled in the dark on it, like Euro notes.I love counting cash rent in front of the Americans who pay it to me.

My second shift job has made it difficult to look for houses as it is too dark before and after I get off work.  

The Scotchmallow and the Bordeaux (which features a brown sugar center enrobed in dark chocolate).

.), usually replacing ALL art work and most decor items, advising on specific paint colors that are good for resale, consulting on outdoor plantings/landscaping and often just installing some plants ourselves. 

I realize there are many ways to skin a cat here, so I'm looking gain some more insight from people who have done this recently or deal with investors on a regular basis and have this down to a science.  

My question is how do I structure this with the bank that is providing the commercial financing on the remaining 75%.I have found that if I tell the bank that the 25% is a carry back they don't want to loan on the property because I don't have skin in the game.  

They have more skin in the game then you do.Make sure you get clear title.

Make sure the other party has as much skin in the game as you do.