T.O.
I would not buy it, but I do love stained concrete. It's just that you cannot get a loan as the buyer with exposed subflooring. I don't consider it exposed, but the mortgage companies do which would make it too hard to get a loan.
I wanted to do stained concreate in a house we were buying to rent out last year, and while going thru the process I mentioned this to the realtor and loan agent and they're the ones that told me about this.