@Greg Scott nailed it.I will also add that since an ESA is an "accommodation for disability" under HUD, the animal's owner is responsible for any modifications to the home in light of that accommodation (think wheelchair ramp). 

The details of the home are as follows.Colonial built in 1800 (updated and maintained over the years)Property Value - $420,000-$440,000Mortgage Remaining - $260,0002-3 Family Rental Opportunity, potentially more if renting out rooms with share use of common areas. 0.7 Acre lot, A driveway with parking for multiple vehicles, located on main street in our area, easy walking distance to markets, parks and plenty of other conveniences(library, ect.)Our uncertainty lies with the best way to approach transitioning this from her ownership to ours so that we can start with favorable numbers while also ensuring she isn't simply taking a loss by selling it to us at below market value.

I know this will probably generate some heated responses but our experience in more than 20 years of buying & selling is that the vast majority of home inspectors add little to the deal and in many cases derail them especially when there is a newbie involved. 

I love the diversification aspect, as we have invested in large commercial multi-family, trailer parks, hotels and even a steel manufacturing plant.

You can finance manufactured homes with a DSCR loan. the max LTV is 65% for both purchase and refinance.

That’s awesome—congrats on buying your first home! 

Buyers are still out there – and homes are still selling.Why?

That said, if it jeopardizes your security with owning a home elsewhere, you may want to keep the house. 

The recent increase in steel tariffs is creating a ripple effect across the real estate and construction industries. 

It's not a dream home purchase.