Over time the property has grown with us as our family has grown (we took over parts of other units to accommodate our work-from-home and new children's needs), so we have able to afford in a more expensive building up front and stay longer in it. 

That doesn’t reflect a more comprehensive picture.

You're current lender might be able to assist you on this as well, if not, you will need to find another bank that will be able to accommodate this situation. 

It isn't listed as extra sleeping space, but if someone asks if we can accommodate 12 (we sleep 10) then I can help them out if I feel it will work for them.Next up is the septic.

I have been working on a post about insurance and it is very complicated.Proper is very expensive but it is very comprehensive.

I will shift my schedule to accommodate whatever works for you.Ed

David,That is a very straightforward and comprehensive listing of the avenues for finance. 

Do a comprehensive market study to locate areas that are likely to appreciate in value and have a positive cash flow from rentals.

This framework should be comprehensive, covering all key areas of property management including financial management, tenant relations, routine and emergency maintenance, legal compliance, and property marketing.Identify the critical traits, skills, experiences, and credentials that distinguish a high-quality property management company.

I got to know tenants and was way to accommodating.