I made a lot of dumb choices along the way, but I think I'm finally starting to get on the right track.  

So there are many more choices of properties to purchase in the SFH category.I have both SFH and MF, but also prefer singles.

For emotional support pets, a letter from a physician can be required - but these are available for online purchase for $99.Bottom line:  If a tenant claims to have a disability requiring a service animal (considered only to be dogs, or small ponies/horses per ADA), you have no choice to allow the animal and you may not charge additional rent or deposit. 

I would look into a traditional HELOC.

The term is more traditionally used in an investment setting, and isn't  usually used when referring to a 30 year mtg etc.That being said, I stand by my original post.

If I'm right, getting a 7/1 today means that I will have difficult choices to make in 7 years.  

If they don't have the 10k they are unlikely to qualify for financing at a traditional bank.

Conventional loans traditionally have a down payment requirement of around 20%.

That model was my only choice because when I started I had no money and very little income.

It is installed and the place looks great.Given you are in a snow area, the tile may not be a good choice as tile doesn't self heat.