I started out working intense physical jobs and eventually put myself through school; I have just finished completing my associates degree in business administration, which is how I was able to work my way up and out of production. 

The inspector told me that there is a product used for this that is a peel and stick faux wood panel. 

Or is that where you draw the line?  

I would hae a plan B ready. potentially a private lender or credit line to  make up the difference. 

How much (ballpark estimate) would it cost to move the plumbing (water, sewer, gas line) from the rear of the house to the front of the house?

Recent Bigger Pockets episode motivated me to reach out to US Bank about their mortgages and loan products. 

I am in the process of refinancing my building and getting a line of credit.

If you look at the housing prices you'll see that right now we're probably at where we should be if the line was constant - note 2007 was a bit off.  

If you don't obtain documentation and close and later find out that the numbers don't line up with reality, then it buyer's fault for not doing their homework IMO

Recommend reading: https://www.amazon.com/gp/product/1944194142/ref=d...This book answers a lot of what is being asked here.