Taking away write-offs for standard business expenses wouldn't make sense.

Lets take a standard 400k house and assume you and I both start with 80k in cash. 

Market and economy added value while I maintained the residence to high standards.

Traditional bank loans with follow a standardized process and will generally take 20-30 days to close.

The only way to get a standard conventional loan is with US credit, US tax returns etc...Unless you hold funds in a US Bank already and they gave you an in house loan or private loan based on assets.  

But to bring it back, I agree with everyone that said it comes down to your underwriting standards.

There is a significant art to this, and that is why one won't find any standard template for doing such, because each original home style/design best lends itself to different layout potentials. 

URLs (or URIs) that end with slash are not be useful because they assume a possibly non-standard behavior from software.

Hard 60 mths 5.000%BUYDOWN: NOHard Prepay Period 60 mos.In my experience I have yet to see a situation where a 40-year IO made more sense than a 30-year with IO period or standard amortized product.

Typically that is 2 per bedroom standard, at least 1 pullout in the living room, so 8 easy.