An update:
I had my Realtor dig a bit deeper, in no small part because of the information both from the thread and from PMs I've got from people here.
Turns out it wasn't the PTC issue...our latest report (which I dug up) was fine, and from last Dec. Given this, my guy called Bull on that reason, and called his opposite number...turns out that Genworth (not CMHC) did the thumbs down on insuring the mortgage because of general concerns (such as past special assessments, and one ongoing that I have already paid off, and which is designed to stop with ongoing special assessments) about the finances and reserve fund of the condo. As has been mentioned in the thread not just bankers but mortgage insurers are being tighter with things than in the past.
So, we still lost the sale, but at least we can go forward without thinking the property is unsellable to a 1st time buyer. We'll keep trying to keep things looking good and clean in the place, and hope the right people walk through the door that can see the great place we loved to live in.
I would really like to thank all the folks who are contributing on this thread. I got a lot of good feedback on our place (PM me if you want the MLS number) from various people, and it was really great to see the mighty force of CP harnessed in a way that directly affected me. In particular shoutouts to newts, Winsor_Pilates and I-Hate-Hulse for the help/information.
If nothing else, the g'friend now understands the mighty power of CP and why I spend so much time on here...she even told me I have to announce it here when we do finally sell the place!
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