And if he represents it as such knowing it is not thats mortgage fraud.I cringe whenever I hear "well, its done all the time" which can be true but won't make it right or, as importantly, defensible when things go wrong.

Wow I guess I did something wrong here

I know there's SO much more to the story that I haven't shared, but I hope this information will at least paint a relative picture for all of you to see where I have gone wrong in my analysis.

This may be the wrong forum, if so I apologize.

No one has access to the results so there are no wrong answers. 

Something had to be wrong but the inspection came back clean and no capex deferred maintenance. 

but hey, that being said approach the homeowner and tell him you want to buy his home.. nothing wrong with asking!

Nothing wrong with that strategy it’s a great strategy but it’s not a brrrr.

None are right and none are wrong- they are all different models which may or may not work in a given town at a given point of time. 

I could be wrong though.