I've even had the chance to secure cash-out refinances between 6.00-6.50% lately - keep an eye on the 5-year treasury, as 720+ credit and $100k+ properties will be eligible for rates that are about 2.5% over that daily treasury rate. 

The individual is a creditor of the reporting company.The term “creditor” means an individual who would meet thedefinition of a beneficial owner of the reporting company solelythrough rights or interests for the payment of a predetermined sumof money, such as a debt incurred by the reporting company, ora loan covenant or other similar right associated with such rightto receive payment that is intended to secure the right to receivepayment or enhance the likelihood of repayment.For example, an individual qualifies for the creditor exception ifthe individual is entitled to payment from the reporting companyto satisfy a loan or debt, so long as this entitlement is the onlyownership interest the individual has in the reporting company.

We also own a single-family home with a detached garage and a separate lot that is currently secured with the mortgage of the single-family home (we've owned this for 10 months).

They already have 1.5 months rent as security deposit. 

One of our neighbors secured an agreement for $2,000 per month.

This allowed me to negotiate a fair purchase price of $125,000, securing a deal that had strong potential for appreciation and cash flow.

Other requirements you can have for their animal is that they be trained to perform whatever service they are performing for that person, be housebroken, not pose a threat to the security of others, not damage your property, and be licensed and vaccinated. 

DSCR loan, bank statement loan, Seller finance, etc.. there are a lot of ways you can secure the property without needing input from DTI.

If you want to avoid the lengthy process of securing permits and navigating ordinances, you can always opt for long-term rental for the first year.

We used to charge an extra refundable pet deposit added to normal deposit for a pet, but once the ESA online thing got so ridiculous, we just raised our security deposit requirement across the board so we're more protected even if someone has an ESA or tries to get an ESA once they move in.