Unfortunately, the original title work was hosed up and I owned it for three months before I officially owned it.

Is there an official formula (if so - state source)I look at each apartment (or individually rented unit) and determine how many days of the year were paid (meaning, I do not care if it was 'occupied', as long as it was paid).

I hope that your membership on BiggerPockets has been beneficial in helping you to become an "official real estate investor."

Alright I'm officially upset now!!!

If it is not in the rehab phase, then it is a new tenant or closing issue (latest was title company not recording deed, so learned all about filing claims with underwriters and insurance regulators -- thanks to help from the BiggerPockets community bank of knowledge, my deed finally was officially recorded in September, 5 months after closing!).

I am going to try and stall them for at least one more month with an official notice.

You can also find ones in Columbus and network via phone with club officials and vendors before visiting.Go to IREM.org search for ARM certified property managers.

So I officially walked away from the deal the first week of Dec 2014 and it was the hardest thing to do, I'm pretty sure I cried.

Right now they don't officially "know" about any contamination issue, if you give them test results, they may feel they have some liability for not disclosing. 

If the goal is to formally and officially DENY a loan, it's very easy for me.