Someone suggested it may have been from a humidifier or the heavier rains we got last season.

since all report at different times during the month and each repository pulls at different times.Get your contractors ready now, it's their busy season and find your "A" team now.  

What types of rates do they offer compared to more conventional 6 month seasoned refinances?  

I thought it was just because the air was so moist from the little bit of water that was sitting near the sump pump. 

I do know of quite a few seasoned agents that work with investors and when the investor buys a home through a different agent they will immediately sever the relationship.

The bank on the first 2 loans required 2 year seasoning on income properties and 30% down.

I'm pretty sure if you get the investors money deposited into your account, you have to "season" it for 3 months, or let it sit for 3 months before they let you use it.

Personally I do think its a good deal and I would like to negotiate for a better price but I wanted more insight from experienced and seasoned investors.

If it's bad call city and report.. but this late in fall not likely to get done.. but they'd arrange for work next season. but if someone falls and is on property,, could still be your issue to deal with..

One way I am aware of doing Buy and Hold with minimal personal capital is using something like BRRRR where you refinance with a conventional loan after the seasoning period, thus paying off any initial funds (personal capital or hard money) and making it available for another transaction.