It’s likely the GC will subcontract the concrete work to a specialist while they focus on managing the permitting process and ensuring everything is done to code—especially if there are ADA requirements involved for the ramp.Let me know if you need help navigating the process or any tips for working with contractors.

Some of the new laws in the state house will require you to provide Air-Conditioning.

I have the funds to buy another primary residence in this area but not enough for an investment property that would require 20-25%.

I spoke with State Farm, but they require plumbing and electrical panel upgrades just to consider reviewing my application.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

STRs do not require you to be a REP in order to take losses against ordinary income.

I wasn't aware of the law requiring a contract with an agent.

Considering most homes will not cash flow with 20% or less down, plan on 20% and most likely 25% down required - depending on the cash flow expectations. 

You need an income that meets three requirements:Rents increase faster than inflation to offset constantly rising prices.It must be reliable; it continues even during economic downturns.It must last throughout your lifetime.These are all long-term requirements, so the current interest rates are not the major issue.

A lender is required to establish the ATR of a borrower when it will be their primary residence.