Any insights and or pointers to resources would be greatly appreciated!

Additionally, your wife's citizenship status should not impact your qualification for the exemption as long as she is a resident alien with a valid Social Security number.

Any and all insights are welcomed and deeply appreciated as I navigate this uncharted territory.If you're going through a similar experience, let's connect!

Should I agree to this so I can make some additional income, or is this opening a can of worms that I don't want to open? 

In addition to identifying owner-financed homes, they can negotiate better interest rates and terms with the seller and assist you in completing the transaction.

It was sufficient for its purpose but will not provide me with any additional equity with the bank down the road to be used as leverage for the future.

So If I understand this I would be looking at base rate +4.125 then whatever additional rate the lender is adding on, minus points to buy the rate down? 

They specialize in quick and fast loans that will come with credit card like interest rates.Here are some additional tips for securing the best mortgage rate for your investment property:Build a strong credit profileSave for a larger down paymentShop around for lendersConsider different loan typesDemonstrate a stable IncomeChoose the right propertyBuild a relationship with the lenderBe prepared with documentationConsider interest rate buydownsMonitor interest rates

Or does it present risk, that if appraisal comes in higher, the bank can ask for more, as well as take additional offers.My understanding is, they can accept my offer, or if the appraisal comes in higher than my offer, re-open negotiations. 

He probably misinterprets the law that nothing ADDITIONAL can be collected from a tenant with an ESA, but a generic security deposit appears to be collectible.