After you're done in there just put a vent cover on the outside to make it look neat.

Hi, has anyone successfully gotten a subject-to offer made/accepted on an MLS property with realtors in the mix?

Since the lender, and almost all lenders with insure their DSCR, or Debt Service Cover Ratio is met. 

A local, established partner will be more than just a subject matter expert.

My initial plan was doing it subject-to.By getting a tenant buyer, my operating expenses should be minimal in regards to the maintenance, repairs, utilities, etc.

I reached out to my insurance, and they told me that they don't have any companies (they are a broker) that cover animal liablity on a D3 landlord policy. 

If I have the funds to cover the mortgage (3-4 months) and can stand a $5k capex bill every 5 years then I think I should be fine...???

Your addendum will cover all your bases however the fact still remains that the RTA trumps any lease language/attachments in contravention of the act. 

If something were to happen to me, she is obviously covered.

@Nancy ZhaoWhile heat-pumps (either air to air or air to water) are wonderful  - we use them quite extensively - those of us in climates which experience *real* winter are normally required to have an ancillary source of heat to cover those periods where the heat pump alone is inadequate.