People who lost their home and have nowhere to go (we see this somewhat with divorced tenants, too, when foreclosures or economic decline hit.  

I would imagine they have lost so much money that they would rather just sit there instead of fix it up.

Yes you have lost a months rent maybe more until you can find new tenants.

(For the better, I think... some of the bad realtor stories I've read could never happen here without licenses being lost)If you use the listing agent, they keep the entire commission.

It will lead off with the print out of the BP property analysis calculator because that looks super slick, but after that I'm a little lost about what a lender would care to see or be impressed with.  

The lost rent and fees are just an extra if somehow you get them.

So year it cost me the upfront fee and 18 months of increased payments, but still worth the "lost opportunity" cost of not being able to buy

Electricity is expensive and there are efficiency lost in generation and transmission.And the use of EBB in 100 year old buildings that are not tight and insulated to today's standards increases the inefficiency.I just heard today on the radio that 90% of the houses in US are under insulated. 

I just lost a deal yesterday at full list price .

So, after all that you've done, studied, listened to and read, seems you're still lost.