@Spencer PerronYes, I would definitely have concerns about future financing as you mention.  

THIS IS NOT LEGAL ADVICE.Highly recommend discussing with an attorney if you decide to pursue any of the above.Thank you for the information and that was my concern.

I understand the concern about using a HELOC for a down payment and the potential challenges with cash flow.

About 90% of the time they fail to meet HUD guidelines.HUD guidelines require that to qualify as an Emotional Support Animal, the prospective resident must have a letter from a licensed health professional, licensed in your state, in which the health professional acknowledges they have a relationship with the client that was more than just one session. 

@Andy OkamotoOne cautionary note: if your idea of "cash flow" is $10K in net operating income, $120K before taxes in your pocket every year off your rental property, well, if it happens to you in 10 years, it will be a low-probability event with a lot of lucky breaks and eventually will likely ruin your life when you make a misstep because you assumed your lucky break was the norm.If you're serious about moving out here, at least look at the Pittsburgh area and its proximity to Carnegie Mellon (tech) and UPMC (health care).

With ab1482, we do not do rehabs beyond health and safety.  

., etc).and no doubt a host of other things.Then there's your remedy if she fails to keep her end of the bargain, including who gets appreciation, right to possess or maintain, etc.Your credit score is far down the list of concerns

I know that pet damage is a big concern for many self-managing landlords.

I am concerned about where all this data is stored

Concerning owning a rental property: Have you read the discussions concerning the 2% and 50% rule to use as a guide?