The sewer bill is high and wondering if that can be split as well.  

@Kaias BlancoI will share with you some advice I got when I was about your age… maybe a few years older… I’m now 54… and this advice has served me well through the years; and it sounds so simplistic:   “You are where you are because you choose to be there.”What that means is that the limits as you currently see them are self imposed.  

Had no issue with opening a savings and checking account with Wells Fargo.  

I have basically 1) rewarded poor tenant behavior 2) tenant has no eviction on their record making it more challenging for a LL to determine that the tenant has been paid before and seeing it worked so well is likely to repeat the same $hit.  

Give them insightful information, market knowledge bombs, and success tales.

Hey Jake,You'll definitely have some options with DSCR lenders, but you'll need to be really sure that the lender you use is okay with underwriting STR income as well as with the ADU as a mid-term as they are kind of tricky.With DSCR loans, your credit score is going to be a big determinate to where you will lend.

Would love to know as well as it would be great to collaborate among colleagues especially since we have such a small market.

There are a few threads on NH as well.

Retaliation is a concern for me here as well. 

Your potential buyers agent should have the proper knowledge or at least a mentor that can help walk you through the contract, their fees, and what is involved in the home buying process.