You can have an extra large garage on this level, plus some storage, maybe even some covered outdoor living space.

She works for me several hours a week and it's been a good way for her to learn the business, make some extra money, and help me with my to do list. 

Is there a document that says they owe me extra if the utility bills get too high?

Just pick a route, get extra liability and focus on growing. 

The extra $150 will be long forgotten the month after you buy it!

Subject to zoning could be apartments, self storage on extra land, sell lots, etc. 

It was a bankruptcy sale so it took a little longer, but gave us some extra needed time.

@Caleigh McDonough age old question.How long will it take you to save the extra funds vs how much the property may increase in price over that time?

I've reached out to lenders here on Bigger Pockets- but their rates & terms seem high (DSCR or just not good terms)- I qualify for a conventional loan, but my DTI is almost maxed so why pay an extra 2-3% DSCR when I don't have too. 

For that extra psychological safety of handling a that multi-M upscale luxury property transaction maybe worth it, but that's not your market.