It looks like if I want to buy, since I am now classified as a non-resident, I would be looking at a minimum 35% down payment.

Can you please make some brief comments, Amongst Tempe, Mesa, Chandler and Scottsdale, how are they classified ?

What would classify as an emergency?

they won't classify the mortgage as a 2nd property, they'll lend to me as an investment property

This includes keeping track of contributions, share of income and distributions.You should be able to classify it as a contribution.

What classifies one as good in your eyes versus one that is bad?

There are rough numbers as mentioned below, but they depend on how you properly classify the location. urban, suburban, net migration, total migration/movement, etc.

This cabin is approx 8x16 and I would classify it more as of tiny cabin.

With that being said you definitely have the International Code Council requirements to classify it as a bedroom (you'll also want to add a closet) so you should be fine.

I’ve worked with many other hard money lenders who are now classified as “do not work with” because their process, or lack there of/pricing/in ability to close quickly and DCP has by far been the best experience.Apologies in advance for the novel, but hope it helped.