Why do you believe cheap housing is in the best interest of the public?

If you do have enough other income then you dont even need to lease out this property to start your refinance.However if you dont have enough income to qualify with no rental income offset then yes you will need to obtain your lease(s) and security deposit + 1st months rents deposited before you can utilize 75% of this gross income - your monthly PITIA payment (in terms of qualification on this property refinance.So all in all Id make sure what your current debt to income position is first of all (DTI) and then strategize to see if you even need the leases at all.

@Francisco Ruiz ensure that if you are obtaining financing, you ask/ensure with your lender that they do not have any issues with the fact that the property you are acquiring may appraise as "rural."

Maybe there's some semantic misunderstanding on one or both sides leading to all this confusion.I supplement my income with my public speaking.

If you want to be completely self-sufficient, you're willing to build an Earthbag home or another building that can be earthquake proofed but can still be run without public utilities, you can spend a ton of money on a well and can have that well water processed to remove contaminated mine crap, you have a great off-road vehicle and you can figure out how to deal with the flooding without redirecting that water onto someone else's land then you can definitely live there.If it's an Investment you're after, give that up.

At present, I do not have full access to MLS data, though I do intend to obtain my real estate license in the near future.

Surprisingly it is one of the very few cabins in the area on public sewer and not on septic.

You could go either route but don't mix the two in concept as one is a mule and the other is a horse.And, the requirement that properties be listed for sale by a bank is a bank regulatory issue having nothing to do with the NAR, it ensures that the property is held for sale in a public market at its assumed fair market value.

This is public info and usually it will change based on seller being there a long time or something like an elderly tax rate.What are insurance costs like (we've got a lot of local variability around fire insurance for ex.)?

I recently read people making up to 117k a year can qualify for public assistance in SF.