Michelle, where do you get a certified termite inspector to provide a full report for FREE?
La, my understanding is each bank, has their own guidelines. FHA have a hard time to compete with all cash investors. Depending on the pricing of the home, the Bank wants to know it is going to close and they are going to net the most.
I don't approach short sales and REO's with the same strategy as a traditional sale. But it is true, for most offers is it really is what can the buyer do and how much do they want the house. Ive seen FHA go as-is without the repairs being done, provided it wasn't in the contract or noted on the TDS. Your buyer can use the credit towards their own inspections, which are closing cost when run through HUD in Escrow.