Wires stapled along the sill plate and along the side of the joist are completely legal and in compliance with National Electrical Code (NEC). I do know that FHA loans are subject to their own independent standards, but I have to believe that this FHA inspector is off base. Otherwise every house in my town would fail. I've never seen a house that didn't have romex stapled to the side of a joist. And I know of a lot of houses that sold recently with FHA loans. FWIW I am a Master Electrician, certified IAEI Electrical Inspector and Plan Reviewer. You or your buyer needs to speak to the inspector again and somehow ask him if there is any chance he misread or misapplied the regulation. And ask to see it.
40th Anniversaary X14
'97 Prostar 190 - LT-1 (For Sale)
Prior boats - 2009 X14, 2008 X14, 2005 197, 1988 Tristar 190, 1989 Prostar.