Did the roof inspection show that the roof was improperly constructed? 

@Cameron Belknap FHA loan rules in HUD 4000.1 mention not counting the basement as part of the Gross Living Area; however, part of the FHA requirements found in HUD 4000.1 includes a section on “converted spaces” which states:“The Appraiser must treat room additions and garage conversions as part of the GLA of the dwelling, provided that the addition or conversion space…is accessible from the interior of the main dwelling in a functional manner; has a permanent and sufficient heat source… and was built in keeping with the design, appeal, and quality of construction of the main dwelling.”Furthermore,“The Appraiser must analyze and report differences in functional utility when selecting comparable properties of similar total GLA that do not include converted living space.

Whether it is quotes or just discussing coverage and liability, from my experience, insurance brokers typically have a leg up on the typical Allstate, State Farm, farmers, etc agents.

So my question is what is typically harder to find good deals on?

The city is still continuing to develop, since they've only completed about 50% of the approved construction projects.

With my professional connections, I can get a lot of construction labor and materials at deep discounts, however I should plan for it.  

I got into the business through my husband, who runs a small construction company that specializes in flips and rehab homes.

I'm currently 61 years old and I have about 30 years of experience in construction management and having a real estate brokerage license in Texas and I was born and raised in Dallas.. 

House construction began in ‘93.

@Scott Holmes, out of curiosity, what is the inventory like these days for small multi-family (2-4 units) in the Richmond market, and what is the typical price range for acquiring such property in standard B-Class neighborhoods?