You can require the animal is spayed or neutered, unless a Vet states it is medically contraindicated.In addition, you can provide a sample "Accommodation Request" form that specifically states the two questions you can ask, and requires verifiable signature from a local Doctor, Social Worker, or other professional.

But just like a good doctor would not diagnose your condition over the internet, giving you specific advice about your personal situation is just as bad. 

Stop being google lawyers and doctors and CPAs and actually pay them for advice.

Assuming you have old plumbing, electrical needs to be doctored up in some way shape or form and you have probably have concrete floated walls which create a lot of labor.

A local bank here has a standard program at 125% LTV for doctors.

Fake documents and doctored DLs support the application and without being sus of it being an issue they look pretty good on the surface. 

And some from SF there was a Doctor somebody I forget his name...

Maybe you're just not ready for this type business or could find a way to figure it out on your own.Alternatively, look at medical doctors.

When I was getting my doctorate around 1990, I bought my first condo.

Almost all of my private lenders have nothing to do with real estate (lawyer, bank teller, in laws, doctor, owner of a car dealership, retiree, engineer etc).