Or, why was the official appraisal at $50k? 

I'm considering moving out of state when I retire and am factoring in health care costs in the future. 

We not only lost our hard-earned money but on top of everything, our health suffered, I had several sleepless nights due to the stress and anxiety that this horrible experience created for my wife and me.After the buy-back was completed, I approached Maverick to at least help us with our losses by requesting us to give back ~$6000.

Most likely you have a tenant that just wants to break the lease without penalty BUT any health or safety concerns must be taken seriously and treated delicately. 

You will, of course want to do some homework to identify the bank that Stessa is using and ensure they are FDIC insured and in good health.

There is no practical reason to talk to planning and zoning before reading and understanding this chapter in its entirety because you want to convey to the town official your plan and how it fits within the planning and zoning requirements. 

How do I get official approval for a mortgage?

A good rule of thumb I like to tell clients is that if your activities are integral and income producing, where as if you were not to do the activitiy it would result in the property's financial health being worse off, it should count in general. 

If you want my help, simply benefit from the numerous posts I've done, which are free.I don't do mental health counseling, I'm sorry, but there are people available to address your delusions and concerns.

Ah, Michael is onto something... was it health related?