After that, you want to calculate how much it will reduce your housing cost and if it’s significant, then it’s worth a deeper look.

When I confronted her about it, she says “I’m waiting on a letter from my doctor for one of those emotional thingys”.My questions:  Do emotional support pets have to be disclosed before hand?  

I call it "buying intentionally" and even wrote an article about it for the site, digging a little deeper into the numbers:https://www.biggerpockets.com/renewsblog/2015/10/0...

She then admitted the dog was hers and was her ESA (which means emotional support animal I think).

I’m not affiliated with the Real Estate Guys organization, I just enjoy their events and I have benefited tremendously from the education and network.1.Engage with people emotionally to get them to open up intellectuallyA potential investor might tell you “I’m looking for at least 10% cash on cash return and 18% IRR.”

I'd look a little deeper for a property. 

@Jorge Ruiz , @Darren Budahn - thanks you for the financing information I will definitely have to dig into those options a bit deeper.

I have been trying to avoid bringing "emotions" into our relationship, but I honestly am just tired of being told how awful everything is for her.

Not emotional - just as an investment.

I don't think there would be time in this scenario, but it's a good idea on how raise small amounts of capital, especially since HML doesn't seem to be a solution.The borrowers father built the house, so there is an emotional attachment.