However, if the OP's spouse is truly working in home as a W2 employee, then the home office deduction is no longer a thing. 

So for now, I have a co-op in a neighborhood I want to live in and invest long distance (Buffalo). 

This is a wonderful OP.

The OP called the animal an "emotional support animal"; subsequent posts have morphed this into a "service animal." 

Multifamily on the other hand, has a severe shortage across the country that isn't looking like it will be filled anytime soon.If I'm reading OP's post correctly I think he is saying he has budgeted for a $1m property. 

@Ryan Ness-  if rented for < 1 yr -  lender  should be able to  use 75% of the monthly lease  to  help offset the mortgage payment ...if you are  able to  line op a renter for the  unit you are  vacating - the lender  should be able to use this  rent as well ........on the new  property -  the  conventional loan  product is better to use  than  FHA  as there is  no mtg ins premium upfront and the  mortgage  insurance  will not be permanent

everything from I buyers to rank beginners to the OP  if your interested in value simply contact a very active agent in your area run comps.. so you have a base line valuation.and if you want to engage with those sending your letters or robo calling at least you will understand what you have.they will usually not give you a number and wait for you to talk first and give your number.. if its low enough and you don't know your true value they hop on it.. if you want market value that usually is the end of it..

I was able to find you, yes you OP, with 10 addresses, your age, 3 phone numbers and a bunch of relatives.

Note: the OP mentioned Hanover, and JD posted an interesting article on her.

OP- just repair and provide proper 60+ day notice of non-renewal or rate increase.