Look at HUD or Fair Housing Act about people count per bedroom. 

Each bank has it's own rules, but if the LTV hits over 80% they could call it in, but I would not count on it as markets move over the season, so they likely need a larger move.

That's why they only count 75% of the rent.

     In America we can count on one hand how many times the real estate market fell since our country's creation.

Hi Andrew,The bank will need a 12 month lease before they can count any rental payments as income.

When it does not feel like work, you do not count the hours.

Yet this would not count as a “default” in most cases. 

Not really sure where to post this so if someone knows of a better forum let me know.I have a house that has a forth bedroom in the basement with no windows and only one door into it, it looks very much like a bedroom but I know this would not qualify as a bedroom I can advertise and would have to call it a den or something like that.My question is if I added a section door to the laundry area of the basement that leads to the garage would that could as having enough egress to let me count it as a bedroom?

Water comes to about 360 every 2/mo and don't count on those taxes.

I'm not sure why no one has mentioned this, but under ORS 90, children under the age of 2 ARE NOT allowed to be counted when you are establishing your policy for maximum occupants.You probably know you are permitted (not required) to limit occupancy to no more than two people per bedroom.