You can forget any large bank like Wells boA or large regional s I highly doubt with your scenario they will provide any credit to you.then you have the Brokers who are responding.. they set you up with a direct HML that does vertical Rates 10 to 15%  and points 3 to 6.. of which the brokers take 2 to 4 points for setting these up for you. 

I'm sure I will not provide the proper information for you all to give me the right advice but this is what I've got:I'm a somewhat recently married 36-year-old dude.

Don't be nervous to call and ask questions, most people are happy to provide clarity so the process can go smoothly. 

Provide an “Offer to Purchase”Buying units of an LLC?

The take-away here is that it is hard to be motivated to do any activity when it isn't providing a positive tangible return.  

The appreciation in this area is already booming as it is the top two most expensive counties in the state.

Also, can anyone recommend a solid accountant for everyday investors who can provide reliable advice and is reasonably priced?

They also have a table that provides rent ranges based on bedrooms/baths and sq footage.

These areas often provide a good balance of affordability and rental demand. 

Call a septic company and they will come with their truck, dig down so they can pop the top off, pump it out, and inspect it for you.If you've had contractors in the house, I wouldn't be surprised that things that shouldn't have been flushed were flushed.