Because this house is not a multi-family unit the bank is saying I'm not aloud to report my rental income in my overall income equation because it is considered "boarded income" keeping the computer from saying I can afford the house therefore forcing the bank to refuse my re-fi.

Be careful not to force fit the numbers to what you want.

Yes, when forced to resort to such arrangements, it's not ideal long term.

Usually, the leases I see have language stating that Landlord has the right to provide utilities and I delete that and say that Tenant will go directly to the utility provider and we then add language to say that the utilities will be paid and pipes will not freeze and all that protective stuff -- or, the Landlord says that there is only one meter and we either state that Tenant will pay to separate or some other "sharing" language.However, in this recent deal the Landlord states that the utilities are separately metered but Landlord wants the right to force Tenant to buy the utilities from Landlord instead of the utility provider and even agrees that the cost will not exceed what Tenant would have paid the utility provider -- but Landlord has expressed on no uncertain terms (rather rudely in fact) that he will not change the language and will walk from the deal if we require the change.

The tradeoff is ~$250 per month, which I could attribute to 'forced savings,' similar to what you're discussing with the $100 per month out of pocket.So ask yourself, "what if?"

I'm an Air Force guy myself and started investing back in April.

As an investor, I look to force appreciation...so, buy at a discount (which does not seem to be the case here), enter into a decent equity position (not present either), increase the property value through improvement (no idea based on your information, but does not seem to be an option), and increase rents (unsure if this is max market in your area).If you want to buy a deal just to buy a deal, go for it.

I'm an Air Force guy myself and have been investing since April.

If the law is going to force business owners, landlords, and others to accommodate people with these dogs, they should absolutely require the people and the dogs to be professionally trained and for them to pay for such accommodations.

If they would have to force you out you might be able to stay longerDo the owners have a  mortgage or do they own the house free and clear?