If you're not nearing retirement, and you're using the money to purchase cash-flowing assets, borrow until you develop physical symptoms of stress over the amount you owe... or the bank cuts you off.  

In other words, does the animal work, provide assistance, perform tasks or services for the benefit of a person with a disability, or provide emotional support that alleviates one or more of the identified symptoms or effects of a person's existing disability?

An Assistance Animal is an animal that does work or performs tasks for the benefit of a person with a disability, or provides emotional support or other assistance that alleviates one or more symptom or effects of a person’s disability.Please complete this form completely and return it to us.

I "fixed" the symptom and masked the real problem, making it worse.

Water Heaters, I'll go basic 6yr warranty models, how long they last I think is more a symptom of how good or bad the local water supply is vs anything else.If it were me I'd pay close attention to the level of materials used to accurately determine your cap ex/repair costs.  

If they are a tenant, they will typically go to a doctor for their symptoms.

Maybe that logic is a symptom of the brain cancer, who knows, but always keep Billy Bob in mind, he will always assume his one consumer anecdote is representative/average/normal/standard, no matter what it is. 

He is blind and has diabetes - he thinks he can get away with anything.

Fast forward to last summer (2014) I got sick again, same symptoms as in 2009 and I'm pretty sure I had Mono (or Epstein-Barr Virus) again, even though I was never officially diagnosed with anything.  

It is an animal that works, provides assistance, or performs tasks for the benefit of a person with a disability, or provides emotional support that alleviates one or more identified symptoms or effects of a person’s disability.