“The husband worked full-time as an emergency physician, while his wife divides her time between caring for their children and managing their rental properties.

Briefly, 35F, married to 33M, both ER physicians.

Despite being a high income earning physician, the bank is requiring that I have one additional investor to act as a limited guarantor for half the loan.

A short bit about us is that I am a physician early in my training and my wife is a teacher and we are looking to offset the cost of living via house hacking.

In response I asked the new tenant to provide a prescription for the dog.   

If her therapist does prescribe an animal for her, and you contact the therapist and confirm the prescription you are required to accommodate the animal, same as you would if your tenant became disabled and placed in a wheelchair.You can set the accommodation rules, where the pet can go potty, how often it is to be cleaned up, no barking to disturb neighbors, rabies shots, not under 6 months, potty trained, etc.You might want to tell the tenant that your insurance does not cover liability for certain breeds and if her therapist or she ends up with one of the breeds your insurance does not cover she will be required to find and pay for a policy to cover you before bringing the animal onto the premises. 

I'm an Emergency Medicine physician in the Bay Area a few years out of residency training (still paying off loans). 

I have a high deductible health insurance plan, the HSA will cover my out of pocket expenses for prescription, lab fees, Doctors visits and Dental expenses.

That is a mind blowing amount of student loan debt - about the only career I can think of that would get close to that (wife used to do debt consolidation sales, has a lot of amazing stories) is a doctor / physician? 

Going to write this post in bullet format for ease of organization...Wife is an emergency physician.