No hot water, stove not working, no heat, broken windows, door locks not working, loose railing, no lighting in common areas, garbage not in dumpster, no smoke/co2 detectors, etc. anyway that has been our experience. 

lower cell phone bill.  

if they pass the phone interview 3. 

I wonder what will be found broken, and what will be done to fix the problem for the next catastrophe we see.

@Riki Tang you need to get on the phone with the seller’s agent and get a better understanding of their concerns.

I think it's definitely worth making a few phone calls.Another option would be (if you can afford to do so) is to pay off the lender, and do an owner carry back for a year until they can refi?? 

Malfunctioning appliances, defective TV, broken washer/dryer are all their problem.

Unless you are specializing in the luxury market I don't think the brokerage matters....what matters is the individual.Let me know if you every want to chat over the phone or meetup locally (when it is safe to do so). 

Apparently I am not able to share hi phone number here, but I am a real person, not some Bigger Pockets alias, and you can google him or find him on the REALTOR website.

Just pick up the phone and call your lender and ask "What Mortgage Relief Programs is your bank rolling out?"