The 10+ stipulation put me off.

@Aaron Jackson in most cases you cannot do anything on the property until after the closing , unless stipulated in the contract 

Different regions have different stipulations.

What are some stipulations you always include in your contracts and how have they covered you?

You could certainly refinance sooner unless the note you have with them stipulates that there is a fee or penalty or something like that. 

I do have a 100% finance conventional loan however, the no FHA stipulation makes me feel there is something wrong.

also from my research, I'll use one real life example but I know how much these can vary...there was a house almost right next store to me for going for 130,000$ with the same stipulation where offers must be submitted by a date.

The Due Diligence PeriodOne of the stipulations in the contract is that water and power must be turned on before the due diligence period starts ( the house was vacant).

His only stipulation is that you use $500,000 of it to invest in real estate and gives you a timeline of 5 years to turn it into 5 million or you will lose the money and it goes to your cousin, Joe. 

This will likely come with some stipulations such as the proceeds go to the remaining balance.