Do this a commercial loan and I'd bet you find a bank within your first few calls.

Talking to a more local lender that can do that would be the best bet though since it is not a standard loan product, I believe. 

If you hold anything long enough, the odds are that it's going to increase in value (I know, this goes against my entire non-appreciation advice).

If the annual billing was not provided in those XX days, I don't think contractual law will allow you to go back and provide them with all 4 annual statements, at least 3 of which were not provided within XX dates.Somebody is eating the money here and my bet is on the property manager from a contractual point of view, but in reality will probably end up being the landlord.

In small rural areas like that you have better odds getting it sold at a lower price and letting some handy fella do his own work vs getting it over $100k where you have a smaller pool of qualified buyers.

Obviously, zero gaurentee it will work for you or this property but the situation sounds oddly similar.  

There are some exceptions like ocean front Gulf Coast properties where you have this odd mix of flood, property, and wind insurance.  

I would say I'm a cautious investor so I want to hedge my bet as much as possible.

I personally can not stand the sound of the floating floor, i have not found one yet that does not sound "hollow" when you walk on it. your best bet is glue down or nail down, you can buy 3/8" nail down flooring, and as mentioned by @Jon Graham  some of the engineered wood have a thick enough top layer to be able to re sand it, do your homework on that.

I have read the Ultimate Screening Guide and written a basic set of screening requirements but still have some questions that hoping someone could help answer (maybe before I have to hire an attorney). 1) On the tenant resource center page (http://www.tenantresourcecenter.org/discrimination) I found what seems to say that "unemployment" is a protected class in the city of Madison: Madison includes all extra classes in Dane County plus: Citizenship Status (City of Madison only)Genetic Identity (City of Madison only)the fact that a person declines to disclose their social security numberAtheismHomelessnessUnemploymentThat seems a little odd to me.