Get out your tape measure, try and figure out the distance from the bottom of the tub to the slab under it and compare to the types of low profile P traps you see online.

I’ve already spent months working on a budget, searching the big box stores websites, online auction sites, etc. and have a pretty good idea of what my materials cost should be.

Assuming a mortgage is not a Sub2.Sub2 or taking title subject-to refers to taking over legal title to the property subject to the current financing, encumbrances, liens, etc.If the prior owner is now a leasee, hopefully you structured that well and setup and fund a new tenancy as soon as title transfers over to you so that the rights and duties of both parties were clearly laid out.If they arent in a contract any more you can give them a notice to vacate and the proper time to leave depending the local tenant landlord laws in your area.

So even if it’s legal to use it as a termination fee, you still have to write a letter stating such.

From my understanding they can legally do this because the original offer changed. 

You're never going to get anywhere trying to make a legal argument to a mortgage underwriter, since they typically have zero legal training and will just give something the thumbs down if in doubt.

BP is one of the best online real estate investment websites.

There appears to be a marijuana grow room built in the garage, it is legal to grow marijuana in accordance with Oregon Laws, however I believe this grow room does not comply with volume of plant growth.

They may be able to refer legal counseling services for this niche.

It can be handled on line you need to claim you pay in cash etc.