That is the standard at any bank. 3-6 month reserves as well."

Is that pretty standard?

The implied warranty of habitability requires landlords to maintain their rental units in a condition fit for the “occupation of human beings.”86 In addition, the rental unit must “substantially comply” with building and housing code standards that materially affect tenants’ health and safety.87A dwelling may be considered uninhabitable (unliveable) if it substantially lacks any of the following:88• Effective waterproofing and weather protection of roof and exterior walls, including unbroken windows and doors.• Plumbing facilities in good working order, including hot and cold running water, connected to a sewage disposal system.• Gas facilities in good working order.• Heating facilities in good working order. • An electric system, including lighting, wiring, and equipment, in good working order.• Clean and sanitary buildings, grounds, and appurtenances (for example, a garden or a detached garage), free from debris, filth, rubbish, garbage, rodents, and vermin.• Adequate trash receptacles in good repair.• Floors, stairways, and railings in good repair.In addition to these requirements, each rental unit must have all of the following:• A working toilet, wash basin, and bathtub or shower.

Or could I at least FHA, refinance to a standard loan, and then redo another FHA for 3.5?

Is this pretty standard practice or something I should be concerned with?

You should install gutters just because they are usually standard however if your area doesn't require it which I would think is unusual,  then don't.

wow you just captured lazy landlord concept in a very serious no nonsense refuse to laugh at myself way.Yes that is exactly what the lazy landlord series is about Learning how to tackle the big doableJobs that seem daunting Doing these jobs safely and to a high standard of craftsmanship The lazy part is that many of us procrastinate and really do not want to tackle these jobs This series is for those who may be on the fence or are about to embark on a similar renovAtion It's a place to share tips and tricks And read as I go through one of these renovStions I will share whatever I gleaned from the processSo Deanna I am not calling you lazyI'm calling myself lazy because I have the ability to do and I usually end up dragging myself kicking and screaming to the job site

I have a commission agreement signed along with buyer registration prior to bringing an offer or touring.It's a shame there isn't simply a standard policy of how to execute offers in a non-bias way and in the best interest to all parties.  

I think this is fishy and probably over promising based on what I observed for needed repairs to bring the property up to current standards as a rental.  

Again when doing an offer the ways you can beat out the competition besides just being the highest is to offer to close quickly, 2 weeks is standard, or offer all cash, offer to have no contingencies (Inspections, Etc). 4.