I seriously doubt it is a service animal, more likely a emotional support animal (a pet usually with papers off the internet)....I like Jonathan's description of ESA being handed out like cotton candy at a state fair...pretty accurate.

They are usually located South of the main city area. 

Borrower Types: The Professional - HM Lender will cut sweet-heart deals to keep these borrowers around Experienced real estate investors Regularly engage in property transactions Typically have a track record of successful projects The Newbie - Charge Higher everything as the risk is higher as no experience Novice investors or first-time borrowers Limited experience in real estate Seeking to build their investment portfolio The Deadbeat - Only lend if the deal is so SWEET, they can't lose if they take the property from the Borrower Borrowers with poor credit history or financial difficulties High-risk borrowers May struggle to secure traditional financingThe lender will do an application on the deal/borrower and some standard docs they require are:Hard Money Application / ExperiencePurchase contractARV report – COMPS – See * Redfin*Pictures of Property – most people use Dropbox to shareProof of Funds – Down / Reserves (Bank Statements)Personal identification (ID or passport)But usually if the deal is sweet enough, they will do it anyway because if the deal goes south, there is so much equity/value in the property that the HM lender can't lose.

This means 20-25% for a down payment, and it has to be your money that you're using (verifiably in an account that belongs to you).Though there are programs that lend up to 90/100 to first-time investors, those programs usually don't work in Maine due to the rural nature.

I put almost everything on our cards and pay off a minimum of twice a month, usually more frequently since you don’t know exactly when the info will be pulled by the credit bureaus.

Those that self manage usually:1 - Interview vendors and trades - i.e. cleaners, handymen. 

They are usually advanced types with alarms and pumps and expensive.

We have LG models in our primary home and they are also pretty great.I would not get a washer smaller than 4.5 cubic feet and the matching dryer which is usually 7 cubic feet.

I usually can pickup Spa Sensations/Zinus 12 in Ultima King size for around $275 every few months when Walmart logrithms mark them down. 

Thoughts- ADU additions are not usually value adds.