Tenant acknowledges that Landlord’s adoption of this smoke-free policy and the efforts to designate the Premises as smoke-free do not in any way imply the Premises are any safer, more habitable, or improved in terms of air quality standards than any other rental Premises.

the standard is your intent and what you could provide as a demonstration of your intent. 

But they  are  placing that  same standard to a 1600 sq ft building with 3 bedrooms at a cost of 5-10 thousand dollars!  

The issue I'm discovering now is that, when I go to apply for a mortgage once I have completed this live in Reno, my debt to income ration will be too high.The solution I was planning to do is to add myself to the title of her home as joint tenancy and rent it out, at which point, I could claim 75% of the rental income towards offsetting my debt to income ratio, which would likely qualify me to obtain another home loan for another personal residence for my family to call our actual home.Does this seem like a sound solution or am I missing something?

Cabinets: $8,500Appliances: $8,000 <-Probably double what I would expect to spend on a standard appliance packageHVAC: $7,000 <-New furnace and ac?

Which is a long way of me saying that if you are the legal owner, you're on deed and mortgage, and you receive money from your tenant, I don't know why this is any different than a "standard" landlord-tenant relationship. 

Hey @Pete Peters, Yes, that's standard practice in any market.

ON all the new construction we are building we wire for EV in each garage as a standard.. 

Discover has Home equity loans currently at 4.49% I believe.

They are extremely responsive, have a ton of resources, and documented/standardized processes for everything you can think of.