Get the house in forbearance sold before Halloween, bribe ex wife to cooperate, go to arbitration rather than wasting money on divorce attorneys, have her apply for a permanent modification on her name and income alone.

Within FHA loans, those MIP payments are essentially permanent until the loan is refinance (which depending rates could be a wild card).2) In FHA, you also have the additional fees (UFMIP) which is 1.75% of purchase that gets lumped into your loan.

Say I have a fully remote job, get an FHA loan to house hack a 2-4plex and I keep one unit for myself while traveling and working elsewhere for 8-9 months out of the year (no other permanent residence).

But unless there's a permanent hike in rents, it's hard to justify.  

Once the family members with disabilities or who are sixty-two (62) years of age or older, or any other family member, no longer reside(s) in the premises on a permanent basis, or the title is transferred, the property owner shall notify the zoning official in writing, and the accessory family dwelling unit shall no longer be permitted, unless there is a subsequent, valid application.As you can see, it's really all up to the zoning department of that city or town, and my guess is that if your proposed use doesn't meet the above, they will not approve it.It doesn't really sound like they're talking about an entirely separate structure, so if that's true then the question about getting bank financing for such construction would be moot, but it's possible I'm reading the above wrong.As far as whether you can build on the empty small lot in general, you'd want to look up the zone of the lot on the assessor page and then look up the Permitted Uses section of the Cranston zoning ordinance to see what can be built there and Zoning Districts Designated to see if your lot meets the minimum lot size to build something.

.This will be my first property as a permanent residence and then I'll end up renting it so I'll most likely do an FHA loan on it.

I, on the other hand, have a 60x36 tiled shower with a custom niche, a Kohler Archer base (K-9397), Kohler Levity shower door (K-706165), and a Grohe Euphoria shower system(26128002)  in my permanent residence. 

We have some capital gains this year and read about opportunity zones and how they can partially and permanently remove tax payments on capital gains depending on how long you hold the investment.

Financing usually hinges on whether or not it is on a permanent foundation, if it is not it isn't as expensive as you might think, however it almost sounds like it might be on a permanent foundation currently, but I can't say for sure.

I live in Northern NJ and was commuting to NYC, but now since COVID I work permanently from home and take advantage of the location independence by going on extended trips abroad.