ultimately the question is, if you include certified funds for the earnest deposit in the full amount of your offer, would that give a substantial likelihood of the bank just accepting an offer that otherwise would be viewed as somewhat excessively low?

I would recommend finding one of the Certified Applicant Counselors in your region to help you navigate the healthcare exchange process/options.Wishing you both the best!

Also will the county accept a certified copy of the POA. 

And, second, even though the damage is not extensive, now that it's disclosed that there's the possibility of mold, it needs to be done by a certified mold abatement contractor, which in my area will tack on at least another $5K.So, what's the best way to approach this (since I know HUD doesn't return your deposit)?

I avoid these unless I can get it certified lead-free. 

I would recommend checking out the Institute for Real Estate Management website to see if there are any graduates of their Certified Property Manager or Accredited Residential Manager programs in the area you invest in.You may find someone or some firm that will handle your business in a more professional manner.Hope this helps.

I'm certified in a few fields in disaster restoration and have also passed the commercial builder's exam for NC.

Do I get certified before trying it or get experience first?

You may also consider the option of getting certified as a property manager through one of several institutes that offer a comprehensive program in property management.

I’m a certified chimney technician, maybe there’s an opportunity to partner up on the right type of property.