Good day BPI recently purchased a 4 unit property in SE Wisconsin ( Kenosha ) prior to closing I asked the previous owner to provide the lease agreements and I tried to get them to submit an estoppel agreement but they wouldn't because it wasn't a "legal" document.  

Setup an LLC, and she is a LP or partner, your the GP, a commercial bank gives you the loan and off you go.Other option is the bank is in 1st position, and she is in 2nd.Beyound defrauding someone, which I hope that's not your plan, The above are just about your only legal options. 

You can request that they provide documentation showing that they are "certified" or "legal" (sorry, I don't know the exact term) service dogs.

We both have around 12k in debt combined, from osap loans after dropping out.

Try North American Savings Bank and First Western Federal Savings as leaders in the field.If the trust is under an IRA, then you will want to be sure to educate yourself on the concept of UDFI taxation on debt-financed real estate income.  

California legalized recreational marijuana use can I prohibit it use on the property?

-Turns out she had a REALLY bad QVC problem and was basically up to her eyeballs in debt leveraged from the property to pay for said habit. 

If (when) things change, if the value of your property drops because cap rates have increased, as long as it continues to cash flow and your debt isn't coming due then who cares?  

I live in Southern California Los Angeles area, have a W-2 job in Irvine and no expenses or debts, with an excellent credit score. 

It wasn't legal.