I want to be able to survive an interest rate rise at the refinance by having adequate cash buffers in case I ever had to bring money to a closing to refinance. 

(Sometimes a big lender's departments fail to adequately communicate these things to each other.)  

Plus a lot of the small operations leave a lot to be desired when it comes to the bank's tech and things of that nature.

*FAS = FUNDAMENTALLY ALTER the nature of SERVICES providedWhy has no one been able to turn down ESA requests based on the wording of the actual FHA law?

The exact nature of your legal situation will depend on many facts not known to me (us) at this time.

Be sure your building has adequate parking.  

Does not include removing or installing and assumes one large unit would be adequate (most likely not for a 115v 14-15k unit)$1750/mo x 12 x 20=$420,000 - $4000 for central A/C= $416,000.So  about $37/50/month gain for Central A/C if you are able to get $15/month more you break even. 

Financing deals of this nature is what I do on a daily basis and could most definitely point you in the right direction, but would need to know more of the specifics.

Naturally, we have many questions and uncertainties at this point. 

May be it hits the natural frequency of the frame.