PS: Our lease stipulates that payment of $X amount must be made by X date or the terms of the lease are null and void.

The local broker's contract stipulates a commission fee to be paid by the borrower (me) not by the lender, and claims that the lenders do not pay commission on commercial mortgages. 

So, we’ll need to verify this stipulation. 

I never saw any mortgage agreement that stipulate that you must live for 0, 6 or 12 month. 

I would say that you have every right if your tenant signed a lease stipulating 2 months rent at time of signing to collect said rents.

If they appear, the preference of the court is a stipulation that both parties can agree on. 

Since there are a few extra stipulations in the loan similar to FHA some people are just scared of them, but you can also use them to your advantage.

@Chris GallickInsurance is big ripoff .. if it’s like any other policy it will be so loaded with stipulations discrepancies and fine print that it won’t be worth the paper it’s written on anyway .

There's usually a window in which to close stipulated in the agreement, but every agreement is going to be different depending on the vendor and purchaser.

You can add stipulations to any agreement to make it accommodate your needs and because any commission paid on a listed property is paid by the seller, it is certainly worth enlisting an agent to help with acquisitions when you aren't getting enough opportunities with off-market homes.