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I wouldn't worry about the efflorescence. I'd just vacuum up the powdery stuff and move on.
The total lack of insulation though would be a matter of concern. I'd agree to get a local inspection. Perhaps there is insulation in a place you didn't see. What is the construction of the walls, floors and ceilings (structurally)?
Original construction here would not be likely to have much if any insulation in the 20s.
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[SIGPIC] Diesel loving autocrossing grandpa Architect. 08 Dodge 3/4 ton with Cummins & six speed; I have had about 35 benzes. I have a 39 Studebaker Coupe Express pickup in which I have had installed a 617 turbo and a five speed manual.  [SIGPIC]
..I also have a 427 Cobra replica with an aluminum chassis.
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