I called and questioned my mortgage specialist on this matter, and he immediately got defensive and told me he doesn't want to "debate" about it and threatened that I'm going to delay my settlement if I don't just dish out the money.I told him I wanted some documentation on the consulting process - which he IS saying is a homepath guideline.

Thank You  It sounds like you did a self-test and since there is definitely mold everywhere on this planet every Petri dish will collect mold.Stachybotrys , the so-called black mold, has a very definitive look on walls inside a house.

A lot more Japanese and Korean companies are moving in. 

One item I wouldn't is a dish washer, they are cheap enough new and have a typical (short) life expectancy.You'd be amazed what is at the ReStore's in our area (maybe not stainless), otherwise go speak with the guys down at Shalom 2nd Hand Appliances on Mitchell street. 

We are trying to decide if we want to offer Dish service.

On the otherhand, they have a large operation with a lot of the pie to be dished out to the many people employed in their operations.

Dish detergent and water wipe down of joists.

All dishes, silverware, pots/pans, etc, came from Goodwill for pennies.

And kitchen appliances like toasters and coffeemakers, and plates, bowls, silverware, linens and towels, plus consumables like toilet paper, paper towels, dish soap, etc? 

It's basically like a hotel where people own the rooms.Along with the other fees mentioned, there are a bunch of other small fees that come with a VR:Broken dishes/appliances/toilets/whateverAnnual fees for certain items maintained by the that are NOT part of the HOA dues (cable boxes, fitness center, etc.)Replacing furniture as it wears outSo, I guess my final take is that a VR in a popular beach area is only a good investment if you're willing to hold onto it for a long time.