I submitted an application etc but I am going to finish the rehab to get better terms before resubmitting.The back story is that I am about 90% done rehabbing a home for a rental. 

So I said, "well, if that isn't the path, what is the better approach?"

If you live there and are currently renting, then there still is a pathway to house hack say a duplex and better your situation.  

I let them know what I can make happen so they have a better time.That way you get a feel for how the service animal will affect your place without being offensive.

I figured "this has to get better, right?"

The theory: the market would be better when it was time to sell the asset. 

So you know how that goes,  closer to the parks the better

Not sure how they can get better prices than you doing the same shopping. 

I know there's seller finance and "B" lender that are good for the short term, but if a balloon payment is due say in 5 years, there's no guarantee that my DTI would be in a better place then I'd be stuck without funding. 

Do you get any volume discounts or better service due to the volume of your business from the current providers, that might be something to consider. not sure if that is even a thing for lawyers though.