- If you are putting an offer in on a property to get that property under contract, part of the contract is that you put up earnest money.

Look up NYS Weatherization/Empower.

Consider putting the property up for sale and get your life back on track, then try investing again.

- Renting it Out: The likely rent I'd get in this area will cover half my mortgage payments at the moment- Add Square Footage: Taxes will likely go up significantly- Build an ADU: Overall ROI will likely not offset much since it'll still be counted as value tied to the one house- Selling Off Land: Sits on .5 acre that I might be able to sell.

When the pandemic hit and landlords across the country feared the worst (cue the “no rent” movement), REI Nation really stepped up.

You definitely bring up good points that I will need to investigate.  

These are typically interest only and require a payment of 1-4 points up front depending on your area and the PML.

Expenses are going up just as fast as rent anyway.

A quick internet search suggests that foreign national loans can provide up to 75% LTV.

It's up to their tax professional on how to present that info on their tax returns.