The best I can offer is to tell you to verify that income carefully, and as @Brent Paul said, make sure that income is not about to be interrupted.Sometimes with CC debt, you do run across reasonably smart, stable, functional people with that much.

The kitchen is not about pure function any longer, it is a piece of art all on it's own.

I’m also wondering if it’s a function of business structure.

Secure the unit for the dog and your tenants safety - meaning all doors and windows should be functional.

No on-site office, nearly autonomous functionality.

Tenants don't see any difference between a den and a bedroom as long as it's a functional living space, so you won't run into any issues thereIt's unlikely that you would have to pump out the system more than normal with standard usage, but one thing I would recommend is to always ensure your septic alarm is fully operational.

If you want to operate a functioning business and make money in this industry the regulations should excite you.

No on-site office, nearly autonomous functionality.

Renters, ESPECIALLY those who know they are only looking to rent for a finite period are generally focused on function over aesthetics.

I'd prefer the bulkhead as it has more functionality, but not sure if that would satisfy code to make it a "legal" bedroom.I am hoping to refinance the property after I make the improvements to get my money back out, but that would definitely require the additional bed and bath to meet code and be considered legal.If anyone has the answers here, could point me in the right direction of where to find them, or just has any advice in general, I'd really appreciate the help!