So I am hoping that with your collective knowledge, you may be able to assist me. 

Good afternoon Andrew, I would be happy to assist you, along with our commercial broker at Century 21 Affiliated located in Appleton, WI.

Let me know if I can answer any questions, or provide any assistance in Bryan College Station area. 

Depending on the context of the parties' financial situations and intentions, there may be implications for financing, ownership, accounting, and taxes depending on whether you are co-borrowers or one of you takes out a loan and the other provides down payment or some other financial contribution.

Here are a few links to help you out. https://www.ada.gov/service_animals_2010.htmhttps://adata.org/publication/service-animals-booklethttp://www.humanesociety.org/animals/resources/tips/assistance-animals-tenants-rights.htmlhttps://www.biggerpockets.com/renewsblog/2015/03/11/emotional-support-animals-waiver-no-petpolicieslaw-say/

Better yet, contact the local landlord association and see if they have materials and mentors that can assist you.  

I noticed you mentioned nothing about that, or that you might be a registered non profit, attorney or other exempt from licensure entity and, I'm sure you pointed the borrower to New York consumer protection agencies so that they could understand their rights and protections that may be available to them against foreclosure rescue fraud....but then again...you're a fast learner.

Purchased at 498k and borrowed 125k for down payment and improvements. (15% down).

Elizabeth,Sorry I'm not very active on BP, but if you still been help I'm happy to offer whatever assistance that I can.  

That's the cost you're paying for all that money you borrowed.