ARV concerns me the most followed by monthly holding cost if I can't sell within 6 months. 

Our lease has a clause in it addressing drugs, however we never signed our lease with these tenants, we just left them as month to month.

Can I just tell the bank, “we’re going to move into this apartment as soon as the lease expires and then we will give you proof of address.”?

I just don't understand.If you PM or send me the address I can likely assist further. 

There are some other cosmetic issues as well but the mold is what I'm most concerned about.

Decide on your cable/internet company, (have your agent ask if the seller can transfer the current service if it's one you like), if they won't transfer, call your favorite provider and ask if they service that address and set it up3.

I was primarily concerned that my equity wasn't working hard enough for me and there was a black and white answer of which I was on the wrong side. 

Tenant earlier also complained for some other issue (like property has rats) and he is living there for over 5 years and now if rats are there he thinks its landlord issue.I can get it inspected from third party but my concern is if third party says is it ok then will authority agree with him and if third party says it need to get fixed then probably I have to give notice to tenant as I can't get it fixed if he is there.thx/

They do state the address?

I'm not familiar with the Hawaiian STVR market but I'm concerned that your occupancy margin is too slim - if you need 50% occupancy just to break even, and only project 65%, that's not a lot of room for error.