Our cleaning fee covers professional clean, laundry service, and consumables. 

DTI ratios are generally used in consumer/residential (aka primary) mortgages when the property is in your personal name.

I'm going through this with Pennymac ATM but will proceed with the utmost caution as even a perception of fraud would deter me.

Everyone knows realtors if they are consumer, it's very unlikely a cold call is going to warrant even an answer these days with call screening.

Once the disaster is over, someone from the lender will verify the structure wasnt damaged and then proceed with the funding. 

There are many reasons that adding a single ADU in southern CA is a less than ideal RE investment (i will post a list at the end) but the negative initial equity is a primary reason as the initial negative equity position consumes the initial cash flow and can take many years to recover.As for converting your home to a rental….

This will depend on what kind of loan you choose to proceed with.

Use tax benefits like depreciation, repair deductions, and tax-free refinance proceeds to offset income, and consider an LLC for liability protection.

Clearly define terms, including an exit strategy, buyout options, and how proceeds will be split.

However, in emergencies or cases involving health and safety, we would attempt to contact the owner first and, if unsuccessful, proceed with the repair as outlined in the contract.Regarding the hot water heater, do you know if it genuinely needed to be replaced?