Further these 12 states make no distinction between non owner occ commercial purpose loans and residential loans..

The Beige Book actually cited three distinct reservations raised by reluctant workers, not just unemployment benefits.

Put scented driersheets in all compartments and rooms.

I just don't want to call attention to the difference between the floorings, and a bad match can be worse than a distinctly different one.

@LaTara G.There is a significant distinction in the finance world between owner occupied properties and commercial properties. 

In that area people would frequently convert houses into several distinct apartments and rent them out separately.

This might be a distinction without a difference, but I like to count it as a small win.

I understand the distinction you're making, however. 

The full report that I linked to does provide exactly the relevant distinctions you mention.I won't say these numbers are un-spinnable, but I do believe the overall trend is undeniable: How many of us chose where to live won't be driven as much by where we work!

I don't make a distinction and I have been doing this 15 years.