Robert, I have spoken to Ed Baptiste of Old Colony Mortgage and he has stated that the Mass Housing requires a conventional appraisal and does not require a home inspection or any condition of the property. Also i can go for a conventional loan if necessary. If you need to confirm that with Ed you can call him again at 508-672-3500. I have looked at a few programs to find the one that fits this scenario the best. The reality is that I will find a loan program that can satisfy all the requirements of our agreement. And I do believe that is what we are both looking for. I do not think either one of us would be spending this much time on this if that were not the case. Please let me know if you have more questions. Tom Lovett