I do know that Farmers separates clients into three tiers (Preferred, Standard & Non-Standard) based on their prior insurance habits and insurance score.

I wouldn't make a habit of it.  

Yes, an inspection by an engineer would be your best bet to give you and your end-buyer peace of mind.

Your best bet would be to try to get some owner assistance here, have them carry back a note on part of it.  

Many people as starting to say that we have reached the bottom, and even the conservative economists like Karl Case, the co-creator of the S&P Case Shiller Home Price Index recently said, “I would bet even odds that we’re at a bottom and that we are going to see improvement in the coming monthsâ€.

He has told me that he can do these anywhere in the country.I bet he can do them anywhere in the country...until he gets caught.

They are the best bet for REI mortgages now.

With the huge changes in Detroit, strength in the auto industry, and the potential for major new employers (Amazon), Royal Oak is where I am betting.

I'd bet you'd be held liable, no matter what a tenant would sign. 

They are probably as sick of them as you are and I bet they'd stop if it cost them anything.