If you didn't do any testing, you are definitely going to have an issue if the house was covered in mold.

That's also what the lender told me, it would take too long and thus make me as a buyer less competitive once we're in UW. well just pay cash and refi.. that would solve your issues.

ALWAYS get permits if there is any question at all.

Mike, My recommendation would be during due diligence for a potential purchase, ask for past 12 months of all utility bills, property taxes, and any other municipal requirements like rental permits, occupancy inspections etc. 

Working thru permitting.  

It sounds like you will have an issue obtaining financing.

I agree they had communication issues during a transition period that we dealt with, but things have improved from last year. 

I've been setting the record straight so many times against unwarranted criticism and ignorance about the country and its state of affairs  (while acknowledging its issues) that maybe the government should make me a honorary citizen!

I am having the same connection issues with Stessa and they haven't been able to get it fixed.

The snippet you provided is a bit ambiguous which may itself make it unenforceable.I think your goal should be to get a signed doc from the parties to the agreement saying an STR is permitted under the agreement.