Whether or not we ever get to take advantage of that, I'm trying to learn to live a healthy lifestyle now in order to prevent health problems later on in life.

It clouds title and prevents this very thing from happening.

if you could do that on an abandoned property, what prevents people from doing that to any place ?

@Rocky V. makes total sense, being open and preventing headaches down the line.

There are regulations that prevent my lending on those.  

If a contractor says they will fix A, B and C within 3 months for 25k, is there any way to prevent them from saying oh, sorry, A, B and C will actually be 30k, we also need to do D and F which will be another 15k, and it'll take us 5 months?)

I simply have been paying the loan until now when I having been having health problems which have prevented me from working. 

I am currently trying to obtain a loan for an investment in FL and am being told that FL underwriting standards are very strict thus possibly preventing me from obtaining a conventional loan with 25% down.  

Assuming that there are no laws in AZ that prevent your servicing the loan without a license.  

I am new to RE as well, so I wanted to make a sheet that would help prevent me from overlooking things, thus the amount of detail.