It seems like a lot of work but, in the Internet Age today, the information is at the tip of your fingers.

In my opinion: (non legal just the ramblings of some dolt on the internet)If you felt the need to purchase a decibel meter, set it up, listen to the neighbors and record the results.

Maybe she has a pension, social security, or other income that would bump them to 3:1.

Is any references on Internet for him?

I would recommend spending some time doing some serious internet sleuthing. 

A national bank or a lender that has a brick and mortar representatives in WA would be great, but an internet lender or remote credit union is fine.  

Would also go for a national, internet or remote bank too to get the higher balance HELOC.  

After a quick look at the mortgage, property taxes, mortgage insurance, HOA, and the utilities and some basic bills (internet, cable, pool and garden service), I'm thinking it will cost about $40k a year.Do the pro's in this forum think this is something that can be made back so we are close to even?

That is what my 401k, pension and Social security are doing.Look, if I was operating at a negative cash flow I would want to redefine cash flow too. ;) 

Larger clusters of long-term mold will probably require more aggressive mold remediation efforts.You can search the internet for information on this.