Many lenders do not offer conventional / government loan terms in Puerto Rico to borrowers.

I would also shop with a local mortgage broker as currently United Wholesale Mortgage is running a 125 bps special on Government refinances through the end of September meaning if you did go FHA streamline then you should be getting a rate of around 5% (borrower paid)4) If you havent asked, at 700K+ loan tell your lender you want to go Borrower Paid and you expect them to only charge a 1% origination charge fee.

However we've been hearing a lot about how lucrative Airbnb and 30+ day rentals are, even to businesses/government agencies/etc. so are looking to connect with someone in that space. 

Why do you think purchase contracts are so long and have such small print?

Also, this is a pretty comprehensive book on the subject: https://www.amazon.com/Subsidized-Comprehensive-Government-F...

There are some mold remediation companies that offer "mold certificates" or "mold warranties", but my guess is that these arent worth the paper theyre printed on.

Mortgage rates declined to their lowest levels in over a year, a sample of more than a dozen industry professionals said they were quoting most borrowers in the high 5% to low 6% range on government loans and in the mid-6% range for conventional mortgages.

So make sure the reasons aren’t protected reasons and be prepared to defend those reasons to the government. 

Maybe they cater to the government and are used to just spending tax payers money with no responsibility. 

In most places some utilities are provided by the local government.