Your pet addendum could have clauses like these (figure out what works):Tenant is permitted to have 1 dog of {your qualifying characteristics here} in exchange for a non-refundable pet fee of 1/2 month's rent and the tenant's agreement that dog damage does not constitute normal wear and tear on the property, provided that:1.

Which specific line items from personal and business tax returns are taken into account to calculate the "usable income" and what constitutes debt? 

Typically, "first" home means it is the first time you are purchasing a property (usually to use as a primary, certain programs have more nuanced definitions of what constitutes a first time home buyer).

On the one side of this you have landlords crying for justice, justice under the law and on the other side of this you have tenants crying for mercy and equality under the law.I personally believe the US Constitution is largely a sham, patriotism is often the last refuge of scoundrels, and there is no fairness in this broken world except between parties of equal power: the normal order of things is that the strong do whatever they want and the weak suffer whatever they must.

Account Closed as you think about this question, what constitutes the best deal for you? 

That mortgage payment constitutes around 26% of our combined income.

I take the position that acquiring and renting out a new build constitutes "original use" under the QOZ rules and therefore does not require further substantial improvement.

If the loan itself is a positive investment situation for the seller (which a 7% rate first mortgage would constitute in my book) then the seller-lender would likely be apt to hold it much longer than they would otherwise. 

Due to irreconcilable differences this has become a very volatile environment and she is thinking of leaving the home , if she does is this considered abandonment and does this constitute forfeiture of any rights or profits from a home sale?

Default: Each of the following shall constitute an event of default:11.1.