If somehow 5 months vs. 6 months makes a difference then who knows, there could be a flexible loan committee that will look at credit score, net worth, W2 income, etc. 

Periodic inspections for hazardous or unlawful conditions, text states: (c) In no event may a city do any of the following: (i) adopt or enforce any ordinance that would require any owner or manager of rental property to obtain any permit or permission from the city to lease or rent residential real property or to register rental property with the city....there are exceptions, but the gist of the SB 326 bill clearly made these type activities by cities against the rules that the committees passed back in 2016.

California Legislative AlertOn January 11, 2018, the California Legislature will vote in Committee to repeal the Costa-Hawkins Act.

I like to hear the loan officer using creative language etc because it likely means they feel like they have some flexibility and that in turn means they likely have a good relationship with loan committees/underwriters etc.

“As such, more analysis and research are deemed necessary to assess future adjustments while also considering potential market conditions in an ever-changing global economy that could impact our efforts.”Right before leaving office, the Obama administration cut FHA mortgage insurance premiums, marking the second time it reduced premiums in two years.However, after Ben Carson, Trump’s choice to lead the Department of Housing and Urban Affairs, appeared last week before the Senate Committee on Banking, Housing, and Urban Affairs, the likelihood that the cut would take effect on Jan. 27 quickly diminished.For a while there, I thought owner occupant SFR low down payment purchases with decent FICOs would be actually competitive between FHA and conventional. 

I would check out the city's development committee and see what they're working on. 

I paid a deposit of 5k for a course of his that was to be held in his Florida home and he cancelled the course last minute and his staff have told me that the decision for a refund has to go to a "committee" which is total bs because that is a straight refund as far as I am concerned. 

At the last minute, the executive committee that reviews loans had one VP in the room that refused to budge and they put the kibosh on the loan.So, to make a long story longer, the reasons why its so hard to get to 50 is financing, financing, and financing.

I was on the interview committee and told the group no thanks.

I use to sit on HUD sub committee for foreclosure.