In xman23's picture, it doesn't look like his has 36" of clearance either.
True. Maybe the wall is non-combustible but right now I would guess that his install is against the manufacturer's instructions.
Am I screwed on getting that stove then?
You could get it but then you would need to lock the side door and use the front door. Not really a good option with the Oslo. Would it maybe fit straight on the hearth, back parallel to the stairs? Then the side door would be facing the open room but you will need to extend the hearth.