Wanted to check if that is true and if it is just lender specific or are there any legal laws around it.Thanks The rules are generally pretty vague - for the 10% Down Second Home Loan - generally are supposed to be not an investment property (no more than half the year rented out, no property management) and the vicinity rule is not super clear - but you are supposed to live "near the property"There won't be a difference among lenders since this is a GSE backed product (all rules the same) - however, the difference is likely to come from the interpretation of how close "near" meansThis is a good twitter (X) thread on the topic from a lawyer thats in the spacehttps://twitter.com/Wildlaw406/status/1689416363973214213

And the group has the capacity to carry a person all the way, as they grow in their status and investing size. 

Fees are built into a lease to make that reminder memorable.Refrigerators feel like a modern necessity but they do not rise to the level of habitability concerns (i.e. life, safety, health). 

Otherwise many investors would buy, "kick out," and bring in higher paying tenants.I think the better question is what's needed that is health and safety?

If you are able to get REPS status, that would help tremendously.

The city has a big improvement plan (working to bring more jobs & biotech around the health district it’s in) that’s being enacted, the neighborhood also has one that’s not yet being done.

Winston's largest employer is Wake Forest Baptist Health Medical Center, which employs over 11,000 people.

Advani recommends keeping a close eye on economic indicators such as employment rates, GDP growth, and inflation as they can provide valuable clues about the health of the real estate market.Making Informed DecisionsAbove all, Advani stresses the importance of making informed decisions based on thorough research and expert advice.

Hard money lenders typically focus on the property's value rather than the borrower's creditworthiness, which could be beneficial given your current Chapter 13 bankruptcy status.

SEP IRA wasn't deducted, Real Estate Professional status was not applied, and Cost Segregation wasn't consider for the year 2022.