Housing does NOT use this distinction. 

First of all, congratulations on your new career and your decision to invest in real estate at such a young age!

I love your mindset as a young age thinking about his future.

However one thing I didn't anticipate was, while the aged sewer line could easily hand two people living in the property, when my tenants moved in and when the load on the sewer system went to five people, it couldn't keep up.Turns out the line had been damaged over time (orangeburg pipe) and was too narrow, so I had to pay to get it replaced. 

I'm not sure that would improve your position by taking the tax/penalty hit (not sure of your age) you would incur by withdrawing money from retirement. 

My question is - does the 7 feet per person equilibrium rule apply to total NRSF in the 3 mile or can that be broken down by class (cc vs non cc, facility age, etc) and the 7 rule applied as a cap to each individual class?

For you, there is no distinction between one dollar and another, stick to your conventional disclosures but you can omit those specific to the retention of loans from a wholesaler (% sold) and provide your own (I'd say something like 95%, that gets deeper, but you can sell, assign or retain your loan).

As you have mentioned, I was ill for several years then had to start over, that's not easy at my age. 

Their wages are 3 times higher than 30 years ago and going higher due to aging work force.  

Housing stability is important, especially to families with school-aged children.