If the bank refuses I'm afraid there is not much you can do, except perhaps re-negotiate on price. If you don't have a lawyer involved, you might want to consider retaining one now and for future deals.
Unfortunately, if you pay for an inspection and the deal falls though for any reason, that money is normally lost to you. You lawyer can certainly seek some compensation in this situation, but the amount in small enough, usually, that it's hardly worth going to court over.
I personally have paid for quite a few home inspections over the years (I invest in real estate) for properties that I did not end up buying. It's never a good feeling when that happens, I know.
Licensed Real Estate Salesperson
Charles Rutenberg Realty, LLC
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New York, NY 10022
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