Your ARV will need to be at least $122k for this to work.Will the projected rents support the payment on the $91k mortgage + property taxes + insurance (called PITI)?

A DSCR loan will be based on the rents of the property vs the mortgage and does not take into account your personal income and debts.A vacation home loan will require that your personal income is enough to support the home and other mortgages or debt you have. 

What additional services or support, beyond financing, do real estate investors value when working with a private or hard money lender?

It is our best interest to help support the investor to be successful -- we are not here to sell 1 deal and be done, actually in many instances we've helped newbie investors become full-timers.  

If you have ample time and want to be hands-on, I’d recommend choosing a market that interests you and building a team—including an agent, contractors, and a management company—to support you throughout the process.However, if you’re busy and don’t have the time to manage all these aspects, turnkey options might be a better fit.

Assuming the wife is earning $50k + per annum, and not receiving support payments from spouse, should allow her to live okay.  

In terms of debts, I agree with @JoeHammel - A title company is the best resource to check on all liens which could be contractor, IRS, bankruptcy, local utility bills or property tax, child support, etc. 

My question is does this wooden retention wall constructed for the city catch basin rain drainage water not to enter into the property or does the retention wall support the foundation of a building which is around 20 feet away.

We also offer unlimited tech support to all of our customers and have several warehouses with a lot of inventory that allow us to do 1-2 day delivery in a lot of cases.

Real estate can be tough, but I’m a big believer that with the right support and community, we can all succeed and spread our knowledge to one another.Looking forward to hearing your thoughts!