@Sam Hecht Very true Sam!

I use a filler that is the same color as the paint often I fix the holes and no need to paint over.

I believe they make a color close to the hardwood floor you currently have.  

At this point I would like to sell it, and my realtor is saying that it’s marketable only to investors since owners/occupiers will not be able to get a conventional mortgage (and the insurance will be prohibitive).Is that true?

She is a true professional in the area and can assist you with all your real estate needs and concerns. 

This is a true story.

At this point I would like to sell it, and my realtor is saying that it’s marketable only to investors since owners/occupiers will not be able to get a conventional mortgage (and the insurance will be prohibitive).Is that true?

Because you are going to live in it I think his answer rings true.

@Jon Kelly Ok this is a bit embarrassing, I forgot to add that into the calculations for this example, yes that is true. 

Though this is true in TX to a point, there is a third party financing clause that states you have a certain timeframe to let the seller know you either can, or cannot obtain financing approval and get your EM back.