Yes, this is something worth exploring. I am concerned that the home will have to be inspected, and thus lose a lot of value. Still, I may have to take your suggestion.
That’s kind of what I was getting at in the OP - does the mortgage company want to know or need to know about these plumbing issues? Would a mortgage company be more inclined to want to help a homeowner facing such repairs, or more inclined to “punish” the homeowner somehow (e.g. sending out an inspector to ding the home’s value because of the jacked-up plumbing)?
Full disclosure: Our credit ain’t great, and we refinanced our house in January 2019 to take help care of personal debts. Yes, we can’t do money, and have no money skills. Thus: no savings for home repairs, rainy days, etc.