I am an investor, agent, and mortgage lender here in AZ who primarily does investment transactions.

This will lower your monthly living expenses while your tenants help pay down the mortgage and the house appreciates.

Let me know if you have an existing group or interested in forming one in 2025.  

Unless you need them installed for mortgage appraisal, recommend:1) A price reduction or 2) Small price reduction for installation labor and have someone pick up & store the mechanicals the seller provides.Otherwise, they will just get stolen again!

If it was medical debt or mortgage debt, you’d be getting more help here.We know how you live - fiscally irresponsibly. 

The existence of a contract -- I agree with you on this -- may be a complete defense to such a claim. 

You're increasing the need for hot and cold air dramatically and it's doubtful the existing system will be adequate.But, in answer to your original question - yes you will need a permit.

utilize the services of a top notch, experienced, track record verified mortgage broker to locate your best fit mortgage loan.  

We are closing on our first South Bend rental property next week, as our local market opportunities have become non-existant unfortunately.  

And you assume the rest of the mortgage that you're already guaranteeing.Your idea to refinance immediately after to get favorable financing is perfectly fine.