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Honestly if you wanted to pay for inspections before making an offer that is up to you, most will just do what the agent did and give you a walk out clause with refund.
I can not get into your agents mind. None of us know what the comps in your area are. If the house is already priced at rock bottom and as a slight fixer upper then your agent may be perfectly correct. On the other hand if there are other comps for a very close price then you have a lot to concern yourself with.
Also did you really interview your agent before hiring him/her?
It also would not hurt to ask for credits on say the heating/ac, sealing the tub, and perhaps some exterior painting or you will walk. You could bring in a contractor real quick to get an estimate on how much it would cost for a hundred or so. Worse case is you are out the contractors fee's and walk away with your deposit.
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