Rates increasing is also a test-- to optimize operations, add true value (and I mean AUTHENTIC value to local economies and communities none of this rubbish you see on social media) and to give an opportunity to investors who know what they're doing.

@Logan M. what are your favorite places to post test ads?

You can shop around, but prior to recent changes (and I'm not sure the govt has approved them yet), you can't even change who you get your mortgage through without a stress test.

If going to 75 ltv and additional price adjusters were just enough to make it the loan exceed fnma points  and fees test so they have to limit to 70 to meet that requirement. 2 It was a Dti issue and they couldn’t approve you for a higher loan, but presume if that was the case they would have mentioned either reason before.

I tried vinegar/baking soda, dollar store cleaners, and Woolite (worked, but would need way too many bottles for the house to make this cost effective).Do those $50 Home Depot carpet steam cleaners work well?

Some questions I have:- Are mistakes common on a Radan test?

However if you plan on buying 3-4units, there is a trigger rule for FHA, it is called the self sufficiency test.

In the podcast, Al talks about testing the waters by converting only 1 or 2 units into LTRs.

I also always do a meth test for any property I'm trying to buy. 

I've never tested it.For Singapore (I lived there for a few years) I believe you need to be a permanent resident in order to buy property.