Not necessarily the wholesalers that you mention, but the up-sellers who are using sales tactics and techniques to sell. 

It must be a major name lender or a local mortgage brokers with good reputation. 

I am also thinking it has a major problem that are not repairable but do you think I can ask the agent for something like this?

There are a few minor things I already know about (which I would expect to see on a report), but I don't anticipate any major problems--this is just a "due diligence" walk-through before releasing the deposit. 

I feel more comfortable owning properties (even if cash-flow negative temporarily) in the major urban markets.

If you plan to leave them and rent it, make sure there are no major moisture issues in your crawlspace. 

IF they don't, they force you to make conservative assumptions (e.g. expenses, capex, vacancy, etc.) and you end up putting in a lower offer.Another tactic / strategy is to simply give him his price (with the proper out clauses), get the information and then re-negotiate the price.

The roof is a major ticket item that can really hurt the renovation budget. 

Designing new construction or major reno is different.

Suggest a full inspection, foundation, termite as well as roof.Any major issues like zoning, foundation etc, is a deal break.What is the unemployment rate there?