Before I describe why I knocked off stars, I will note that were many lovely features of Timo's place. 1. Most of the house was very clean, and it was a lovely space. 2. It is a good proximity to downtown. We took Ubers and it was a quick and inexpensive drive. 3. Timo left lots of nice little extras - drinks in the fridge, shampoo, conditioner, and lotion in the bathroom.
Our two issues were: 1. dirty sheets/duvet and 2. noise from the above apt. I used to work in hotel housekeeping, so I ALWAYS check the bed first whenever I check into a hotel. The sheets had hairs present from at least three different people. There was a foot long black hair on one of the pillows - impossible to have missed by a good housekeeper. I stopped counting at 14 hairs. The duvet was similarly hairy, but also had a reddish-brown crusty spot in one place. I reached out to Timo and he quickly replied that there were clean sheets and blankets in the closet. I stripped the bed, and as I put on the "clean" sheets I noticed a large (and impossible to ignore) stain in the dead center of the fitted sheet. That night, we slept on top of the top sheet, with several thin blankets on us (since the duvet was dirty). 2. I don't think anyone is currently living in the apt. above Timo's but there was a VERY nice woman there who was doing some work. I don't think there is any insulation between floors. We could hear her every step, and every lyric of the music she was playing.
To be fair, Timo brought us clean sheets the next morning, around 11AM. He also knocked off close to $30 from the charge and he was perfectly cordial about the whole issue. However, unless he gets a new housekeeper, and the above apartment was empty, I can't say I would stay there again.