I hope in your case that your borrowers are not using the money for personal, family, or household uses.The Official Staff Interpretations for Reg Z (Dodd-Frank) specify your exact scenario in at least two ways: Section 226.3 - Exempt Transactionsii.

“The growth of one-person households is changing demand.

It took me 2 years of convincing, cajoling, arguments, and overdraft fees just to finally get her to agree to a personal household budget.Good luck to the both of us.

They cover major issues with plumbing and electrical too.Cons: Cost to cover major things in your household is about $635 per year.

MartinFor comparative curiosity, what were the corresponding changes in household income and inflation / cost of living nationally and in California during the same period?

rankyear=201...www.bls.govWhat you want to focus on is job growth in a market, at least 2% for 2 consecutive years and also population/household growth.  

I’m the only person putting my name on mortgage, so I’m wondering if this loan program only takes my income into consideration, and not my wife’s(household income)?

With that amount finally hitting original projections for the last few months, I have about 60 to 70 percent of my household overhead covered with apartment cash flow as long as it stays relatively smooth and consistent.

In a gig economy, many of the students outside the STEM and a few other fields are having trouble paying for their $80,000+ student loans which is dropping credit scores, creating difficulties in rental applications being approved, and delaying house-hold formation which in turn causes consumer spending and consumer confidence to drop heavily.

Some of the metrics that the survey provides and that I find valuable to understand are:- Population- Home Values- Household Incomes- Rental Vacancy Rate- Homeowner Vacancy Rate- Poverty Rate- Educational Attainment Rate (High School/GED & Bachelors)- Number of Housing Unit- Rent to Income Ratio- Rent to Price Ratio- Population on SNAPS (supplemental nutrition assistance program) percentage- Property Tax Rate- Median Age of Buildings- Number of Structures by Units (SFR, Duplex, Triplex, Quadplex, etc...)- Median Rents by Number of Bedrooms- Unemployment Rate- Employment Sectors PercentagesAlso take into consideration the direction in which each of these market indicators are trending.