FHA does not have this rule. 

Make sure the property meets the 1% rule or close to it (monthly rents = 1% of purchase price) to ensure it cash flows after you move out.Yes, interets rates are higher than they were a couple of years ago, but rents have also increased significantly in many markets, including yours.

Flat fee buyer agency is new but growing quickly since the August 2024 agent compensation rule changes/lawsuit settlement.

As far as ESA animals, you cannot charge a fee, however, tenants still need to abide by rules as far as caring for their animals and the property.

If this isn't clear enough, one could survey the other bank loan officers and see if the other doctor notes included this term around the year the loan was written, if this is one of only a few outliers which they threw the term in for, then any jury would likely conclude it was unnecessary and the power of attorney would make that void... but they as you say if the bank makes all the rules for their conventional since it's not "conforming..." then they could call the loan due and as you said the refi would be needed regardless. 

Bank short sales follow the same kind of rules and process when it comes to getting financing.

Not just location, but different states can have different (sometimes weird) rules like here in Texas where you need a manual third party "attorney review' on every loan doc set - adds about $100 to each doc cost that doesn't apply in most states

That's when it hit me.I believe that even though none of the properties these tenants were living in took damage from the storms, they applied for FEMA assistance anyway.

It is a statewide rule that you cannot use an ADU for STR.

Here in Columbus, we're still seeing deals here that hit the 1% rule with positive cash flow and lots of potential for appreciation.