Also Seller says theyd like a bank certifying to them that i HAVE the money for the house because theyve "been stung a few times" and even though I look trustworthy to them it would only make them comfortable....I said it would not be a problem to show them certification.

Hi Carolyn Lorence  A CFO is a certificate or occupancy that need to be given to building that is not operational for certain number of years.

You could also CLEP out of some courses fairly easily or get computer certifications fairly easily using brain dump software.  

Once you make an offer, you should receive the "Resale Certificate" which is a packet of docs that include Board Minutes, Budget, etc. 

Beyond this there are city certification requirements if you are in the City of Kalamazoo boundary and other historical building regulations if you purchase a historic home.

Prior to purchasing this townhouse, did the HOA/Management group send you a "Resale Certificate"? 

From the few experiences I had, getting a Certificate of Occupancy took so much out of me with all the phone calls and arguments and incompetence that I just got a bad taste in my mouth.  

if i were you, i would take a sample and have it tested just to have it tested. if it is mold, there are 18 different species of black mold and only 2 are toxic. that advice is coming from a licensed home inspector with a mold certificate. if it is black mold and is toxic, then you can remove it yourself, but protect yourself too. make it part of your offer. if the seller doesn't want to accept your offer based on the mold, then walk away. if you do not want the place because of the mold issues, would someone else want it?

He can get a certificate of insurance from any contractor or inspector that will set foot on the property.

And then stay out of the market during the last six years of the cycle and maybe buy something recession proof like tax lien certificates out of state.