(Personal service includes the fields of health, law, engineering, architecture, accounting, actuarial science, performing arts, consulting, or any other trade or business in which capital is not a material income-producing factor.)7.

The builders got scared and dropped their list price by $15k.

You combine this with large IRA and HSA  and health care premiums and my tax payment is a fraction of what it once was.This is great for tax but now we are ready to buy a new home and even though we have strong cash flow, excellent reserves/credit - tax returns are not showing the profit. 

Details are, makes $71k a year working for the state mental health/prison system.

As long as its meet 51% of residential use and commercial use will not affect the the health and safety of the occupants of residential property you should be fine. 

With this 4 pillars ( finance, health, mind, and empathy ) you have a strong foundation to find happiness. 

Going through the Lowell MA website (https://www.lowellma.gov/625/Health-Permits) , I saw a rental permit ordinance.

Like natural disasters, car accidents, losing jobs, divorces, health issues, lawsuits, injuries, death...

Spending also slid in health care and goods (such as clothing and footwear).

Imagine you are in your 20s have a family of 4 and want to get in to this for the long run, you are great at talking to people, not scare to talk in crows, no credit, and finally have not even bought your own property yet.