different banks have different risk thresholds. if the state has a real property disclosure form requirement, then seller would be required to disclose in the future. sometimes tanks can be closed in place especially if the state does not regulate the heating oil tank (depends on size) and its close to house(basically fill with sand). but you can do sampling to show that the tank has not impacted the property.

Cash for keys is going to be your best bet.

Stores will sometimes put store specific leftover boxes on sale and it might just be enough for your project size.

I use a good sized local bank who lends their own money and keeps the mortgages in house. 

Nothing at this size though, I'm very intrigued. 

I found an off market deal for a 3 bed 2 bath duplex each unit having a 2 car garage and a decent sized yard.

But you can’t just look at the top / elite salespeople and say “I can do that no problem” and bet your income on it.Those top percent really hustle, even have to pay for additional staff to help them, and generally pay for additional advertising and services (eg professional photos, etc)Good luck.

If my options are pay $150 PMI or 15% more downpayment I will bet the $150 for the next 3 years as we are in a mkt where appreciation is no less than 5% annually. 

Make copies and cut out standard sized appliances.

I bet local lenders, inspectors, title companies, and insurance folks would have a similar read.