Thanks for the advice guys! I was hoping to not have to rip up everything, but looks like I can't prevent it. I don't have time for a mold test unfortunately, so will probably get right to the scrubbing. The lady is suffering because of it (since she works from there), and it needs to get done... She has some family coming up tomorrow, so she will likely stay with them while I get the brunt of the work done after I get home.
Also, this is probably something that started before I bought the unit (which I am regretting because), as the leak stains appear to have been there before I bought the unit, I just didn't know what they were and the dealership said there were no leaks (of course, right?). Kinda got screwed there, but I don't think Xtraride covers leak damage, only the leaks themselves.