Heat pumps and ACs will rust out much faster, painted surfaces won’t last as long, so upkeep will be more than a house inland. 

, so nothing involving refinancing out of a private mortgage is included.TLDR here is the form that the private lender is being asked to fill out (if I really wanted to google around, I'd find the one from fanniemae.com, which this isn't, but it'll be close to the same if not identical) --> https://help.jmaclending.com/hc/files/11272354/12124295/1/1548800976976/Verification+of+Mortgage+Rent+%28VOR+VOM%29.pdfThe other 99% of the time, the existing mortgage appears on your credit report, and/or it's a big institution that's servicing it, between those two things and computers you never end up needing that old fashioned form.

We just make an agreement the old fashioned way. 

On the surface, and as Andy mentions, that's seems too good to be true, so there is likely some underlying factors not divulged.  

In 1990, the Tennessee state legislature gave all mineral rights to the surface owners who filed for them.

The IRA would be the lender and receive all such income in a tax-sheltered fashion.  

Floors: Sweep, mop, and wipe down all floor surfaces, including underneath appliances.

Call me old fashioned but I would not combine assets until I was married. 

I set the router and hotspot on an old fashion plugin timer that turns it off for 15 minutes every night at 4 am to reboot the system.

You can actually have lead paint on a lot of surfaces in a property, but it needs to be well maintained.