(This is the part that Im not sure is dumb or not) For two years while I'm living at home rent free, if I'm able to charge $2.1k each unit for rent, I would be left to pay $600 out of pocket to cover monthly payments.

.) - Many more things I could think of but if you need a 2nd opinion feel free to give me a shout.

For more info on Subject To, see Using Subject To, to Get "Free" Properties https://www.biggerpockets.com/forums/311/topics/1060320-using-subject-to-to-get-free-properties-a-quick-guideline 

ESA's generally are not service animals and these are generally fake certifications that are abused by people to get free accommodations for their pets.

Feel free to reach out if you have any questions!

Feel free to reach out to me if you have more questions, we can talk about those options. 

If you have the chance to read my long winded post and have insight on alternative ways start my REI journey please respond or feel free to DM me.

Even if the tree sits on their side of the property you are free to trim the trees that overhangs on your side of the property any way you like.  

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I do not have any debt and my credit score is 800.Life has been an adventure and now I find myself at 30, staying with family rent-free.