(130-150k range). ( I do not live in NY so primary residence loans would not apply).

Short Term Rental - This is the permit you would apply for when pursuing a non-owner-occupied STR in the R-1, R-2, R-3, RSL, RSM, PR, OS-1 and OS zones. 

If we are planning to occupy the upstairs, what codes apply downstairs to an accessory dwelling?

There may be exceptions for relatives or if you are a salaried employee, but I doubt those situations apply. 

Confirm that the Debt Service Company used, will provide you with easy access to:      - monthly/quarterly/annual statements of your pymt history    - ideally, easy user login web or app access     - 1098 or annual (interest payment) tax documentation mailed, emailed, or pdf download-able     - alerts, notifications, and pymt scheduling options for: pymt due, pymt applied/received, outstanding balance, etc.3.

You will need to simply "try and see" (I like to call it)    Try the service, see if you like it, apply for membership. 

@John K.Your DTI definitely factors into things, but presuming you have rental income from your houses, that gets to be applied as a credit to offset that debt.  

Everyone assumes it's easy...but a real painter will absolutely deliver a far superior product to what any homeowner can do.

How it looks is how she will take care of your property.Is your property she applied for Class A, B, C or D?

This seems like it would of course only apply to legal non conforming parks.