I would recommend DSCR for you, or to continue contacting some other banks.

A 3' wide continual walking space perhaps? 

However, she claims she can’t afford the electric bill and refuses to keep the heater on continuously.

Do we want every phone call going to a designated person and they can contact our handyman etc - OR - do we want to continue taking these calls?

The tangible/measurable benefits do seem to pan out over the life of the system especially if energy prices continue to rise.

. :)  So with what you have raised and if you want to continue raising money you could follow the same path I did..

I actually hired this tax company in the Fall of 2021 to do my 2021 return and continued using him for this year (2022 return).

If rates do go down significantly, it will be more of a sign of economic instability.I recommend continuing to save monies until you come up with enough for a decent down payment.

I don't want to continue to post information to a thread meant to talk about this course that deals with overall note information.  

If you want to build long term wealth you will need to keep reinvesting the returns for 25 years from the $150,000, you will also need stable W-2 income to get loans to continually leverage the money.