This home inspection I did the other day had water front property. It literally had water running under the house both currently and lots of it in the past Lot of reasons for it not to be there. Undermining the foundation, inviting termites, mold, elevated moisture levels etc. There was so much humidity that the insulation underneath the home would stay up and the wood flooring inside was warped. The property had a brook running beside it when it rains and a high water table in the area. This will take a creative and knowledgeable contractor to keep water out and add enough ventilation to prevent mold concerns again later.