The bank will sell notes to other banks, mortgage companies, dealers and those who hold the proper license in a mortgage industry activity, just not to Joe.

If you can buy all your kitchen appliances at once and ask for an extra discount or at least free delivery & installation, that's great too.

For it to work properly (ie heat the unit), it needs to be kept on in the winter even if she turns it down when she's away or in the evening. 

You should have boiled them down to the following lack of proper due diligence.  1.  

As of December 2024, the average cost to install a solar panel system in California is $2.31 per watt, including installation. 

.- You close on December 10th- The property is in great shape and does not need any significant repairs- It only needs some paint touch-up and changing a couple of broken fixtures, which you do yourself- You spend the next week buying furniture, electronics and supplies and installing/arranging everything yourself- You also roll up your sleeves and scrub the toilets and sinks and appliances- You put it on AirBnB/VRBO and have your first guest renting it for the 3 days of Christmas- You second guest rents it for the following weekend and leaves before NYE- You personally clean and restock the place between these two guestsCongrats!

Next is install impact.

This likely means living in Louisville proper, depending on the job's location.

They can limit what property owners can do, including house hacking.Even if the city has no restrictions, if legally binding and properly recorded, covenants can enforce rules that supersede local ordinances for those living within the neighborhood.

@Gerald Koonce Private lending from family members is allowed with proper documentation and compliance.