You may have a harder time getting a seller to accept an offer from a buyer using an FHA loan because of this stipulation.

Maybe $50 more than you'd otherwise charge, but with the stipulation that any excess 'escrow' at the end of their tenancy would be reimbursed. 

Contractors and subs must sign a Stipulation Against Liens.

Every house I've sold I've had a stipulation in the contract that I get the buyer's appraisal at closing. 

It is an extremely easy document for anyone to fill out and ensures there are no confusions or misunderstanding after closing.The standard contracts we use in Florida do not stipulate who specifically should present it to the tenants, so it could be the Seller, the List Agent or the Property Manager, depending on who is involved and what is most convenient. 

We stipulated clearly in the contract what types of repairs and fixes the tenant was responsible for (our first tenant acted as if they were renting an apartment in a managed complex and called us almost daily), and gave pre-approval for any owner repairs up to $300.

Point being, always include a stipulation in your offer addressing rental restrcitions for all townhomes and condos. 

And if that's an option is there any stipulations with my FHA loan, or if I were to refinance down the road?

Sure, the Fannie Mae stipulation says that the borrowed amount to be mortgaged can't exceed 75% of the property's current value...

That being said, I would still include a stipulation in your offer addressing that both units are to be delivered vacant by the time of closing.