Again, the complication of tax should not prevent you from investing if a deal makes sense. 

For control purposes, they rather not give out info to prevent collusions between bank officers and potential bidders and buyers.

This isn't meant to be preachy but others might come across this post and wonder how to prevent it.The two biggest areas of concern here are...Your loan amount. 

When it comes down to it, it galls me that there's a difference in freedom because of nanny state tendencies.

That solves most issues with tenants. if people are able to pay any down payment , what prevent them from paying mortgage down payment ? 

When she questioned why the landlord feels that she needs to pay for the test, they sited the lease agreement where it stated that the landlord verified that there was no mold at the time she moved in and that it is the responsibility of  tenant to "maintain the premises in a manner that prevents the occurrence of an infestation of mold in the premises.

would the 15% discrepency prevent you from closing? 

This prevents erroneous maintenance requests, or a tenant trying to get you to upgrade the property through work orders.

Evictions are nearly impossible with the LTB having a hidden agenda to prevent evictions and pass housing responsibilities along to the private sector.

If you do conventional and sell within 6 months this could prevent you from getting financing down the road.