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Some of these houses need more repairs than others, of course, but it's the buyer's responsibility to inspect the home before purchasing in order to determine whether the cost of repairs will be too high. Most of the time, HUD does provide an inspection report but this report is not a guarantee. It is simply a tool to help you decide. Don't assume that every repair the house needs is listed on the report. Always do your own inspection.

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The circumstances that lead to houses being in such a state of disrepair can usually be traced back to vandalism or neglect, sometimes both. The worst cases are usually homes located in urban areas. For example, if you look through the HUD listings in Detroit, you'll see a lot of houses listed for just a few thousand dollars or less. Unfortunately, most of these homes are completely stripped. If you were expecting to purchase a home with kitchen counters, toilets or even plumbing, you could be in for a huge disappointment. Chances are, by the time HUD gets to any house in the Detroit area, it has already been stripped of its wiring and anything else that can be sold for drug money.