We hope that you can remedy the situation so that we can move into a habitable home.Suggestions that we have to fix the issues:Hire a company to rip up the carpets, treat the subfloors, and replace the carpets, at least on the main level and on the stairs.Provide an air purifier as a start to remedying the smell.Replace the garbage disposal.Hire a plumber to fix the draining issue in the bathroom sink of the smaller bedroom.Fix the tiles in the upstairs bathroom so they no longer present a safety hazard.Replace or fix the screen doors.Fix the gap between the windows and the walls in the living room.Hire a professional company to treat the entire home for pests.

I've heard there's a good chance the mortgage company won't care as long as the payments continue to be made on time but I still want to protect myself just in case.

We have been around the bigger pockets community for over a decade now and have more 5 star reviews on bigger pockets than any company on this website in any industry (>270 5 Star reviews).

Hard money and private investing are both ways to finance flips, but they work a little differently.Hard money loans are typically from companies or private lenders that specialize in short-term, high-interest loans.

I also have a background in software, having founded and sold the majority of my software company in 2014.

The mold remediation companies should have the skills to identify the source, suggest a solution, and give you a bid with a guarantee of their work.

Anyone have any experiencing getting the city/utlities company to add separate meters?  

I also recommend speaking with several insurance companies to confirm you are getting the right answer/price.

Most PMC's will add extra fees to help the company make some extra revenue.

You'll need to hire a title company to find out.