In the eyes of the law, it's no different than a cane or a wheelchair.Keep in mind, just because the ESA is not considered a pet doesn't mean it gets to run rampant, disturb the neighbors, crap all over the parking lot, or tear up the house.

The combination of families looking for more space, good schools, and a quieter lifestyle has been a big driver of demand.For my investments, I’ve noticed:High tenant quality: Families or professionals relocating to suburbs like Naperville and Wheaton tend to stay longer, which helps with stability.Increased competition: It’s definitely tougher to find good deals, especially in top-tier school districts.

Approx 5 commercial  properties with total combined value book value 12m .. actual maybe 20-25m?

Combined rent $1950.

You can get a $1.2M stop-loss policy that kicks in after $300K combined losses on all 5 units.  

I’m sure it’s a combination of both - but what should we believe as newer investors?

If more than one person applies together, then we combine their scores for a group average.

If you are using it to buy a turnkey property which needs to produce cash flow to be considered a viable deal how does buying turnkey(Little to no cash flow) combined with HML(High interest only debt) make alot of sense financially? 

A combination of these things?

Keep in mind most REI is a combination of monthly cashflow and appreciation.