Conforming/FHA/VA. 

Non conforming attic studio, third floor walk-up, C class, 525 S.F., new bath, new drywall, three light zones, it's not bad.

You aren't going to get a conforming loan (or probably any loan) with a different set of application of payments rules.

If you are looking for someone to lend you money without having to conform to Fannie/Freddie guidelines, you are looking for people or probably banks and credit unions that loan their own money rather than selling the loan. 

Any information applicable to super high density area that just don't conform to the "norms" of Texas, FL and Kansas.   

My town has permits just to replace a toilet, no one can conform to some of those requirements and stay in business.

I don't mean to America bash, but I think people here are more into conformity and keeping up with the Joneses than being revolutionaries.

For decent credit scenarios, conforming loan amounts, and FTHB, FNMA HR is almost always a better deal than FHA.

I believe the down payment is 25% for properties 1-4 and 30% for 5-10 unless something has changed for conforming FNMA mortgages recently.

So I wanted to bring up a  Conforming product that does exist and could be useful.