My broker pulled 11 comps total. 4 of them sold however the rest are pending and contingent. 2 of the 4 that sold are more than 2 miles away from the subject property..

I was also told if my SFH is a 2 unit it would be subject to rent control. 

We regularly handle personal income and corporate tax filing, and have tons of tips, tricks, and free educational articles on these subjects.

The remaining percentage, again typically 30%, is subject to the income ratios you require. 

So, if there is enough recent data of the subject property and the neighborhood AND a reasonably well qualified borrower the system will allow for the appraisal waiver. 

It's a term made up by Pace Morby to do escrows/act as a real estate agent and to circumvent any existing escrow agent fiduciary and legal requirements in closing Subject To Transactions.

The process should be learn a little to know the first step and maybe the next few, then go do, do, do, do, do, then reflect upon what should be keep doing, what should be stop doing, and what else should be tried, go study a little more on related subject, then do do do do do rinse and repeat.

so a lot going here but 39% in most cases would be no issue and keep in mind the rental on the subject property would be able to be used to offset the new payment. 

Quote from @Alex Granados: That's a pretty subjective question.

Edward Schenkel awesome subject line.