You may also need to replace carpeting and other soft surfaces.

All the filth on the shellac dissolved and clumped together to create this hideous look.The only thing to do with the mess was to scrape, sand with 100, get a good thick Kilz Original oil-based primer coat, sand evenly with 220 grit, and paint (Glidden Premium semigloss thinned +/- 25% with Floetrol, 2 brushed coats).

Or if it is a small deal in OH maybe you know someone who can use a credit card to help you purchase it, then rifinance it into a non-QM (i.e. semi-soft money) loan. 

Most of the time mold is simply: remove the soft materials, wipe down studs with some bleach, and replace.

They made a soft commitment, at my request and then followed up when everything was finished.

Some fellow landlords would call me soft and would bellow they run their rentals like a business and late rent = late fees, no exception and that if you give a tenant an inch they'll take a mile. 

I am building one in San Mateo and planning one in Hayward.Spending about 20k on soft cost in San Mateo, for 640 sf ADU.

We can always paint everyone with the same brush but I prefer not to.

I would be shocked if it was that soft and easy to see coming. 

A neighborhood for $150k houses, you probably won't appraise at $225k with granite, soft close cabinets and awesome light fixtures.