It is a very easy process, and the city is very helpful.

Switching property managers seems like it was a smart move, especially with how much you and your wife had to step in before.Chicago definitely isn’t an easy market, but it sounds like you’re set up for better success moving forward.

I have already reached out to Facebook reporting her for harassment and to the original group she called me a scammer on (I did give the admin my addresses to validate since there are group rules about scamming).  

As far as ESA animals, you cannot charge a fee, however, tenants still need to abide by rules as far as caring for their animals and the property.

May God bless you and make it easy for you. 

In another year or two that buyer is going to be sitting on 500k in equity easy......

Easy decision. 

If this isn't clear enough, one could survey the other bank loan officers and see if the other doctor notes included this term around the year the loan was written, if this is one of only a few outliers which they threw the term in for, then any jury would likely conclude it was unnecessary and the power of attorney would make that void... but they as you say if the bank makes all the rules for their conventional since it's not "conforming..." then they could call the loan due and as you said the refi would be needed regardless. 

Asking in the correct forum will get a better response.Read the RULES!

Some people are easy to deal with while others, not so much.