Yes, there are adjustments for the differences between the comparable sales and the subject property (your property), but they are relatively subtle adjustments because they are using "comparable sales".

@Adrian Hollifield, While most HML's who escrow funds follow a similar path, every lender will have subtle differences.Here's a couple of examples..., 1. it is common to be limited to 3 draws.

It's subtle, but it's a big difference in how money works and how you think about things.Good luck!

We will be setting up a Self-directed Solo 401(k), which is similar to but significantly different in subtle ways from a Self-directed IRA, and use it to buy our second investment property.

With what I’ve paid off so far, I was hoping my credit score would Sky rocket, but sadly the increase to my credit score was subtle. (+21 points)Would it be best to have a credit score at 800+ with a low debt to income ratio and apply for a FHA loan OR apply for a FHA loan with my credit score as is and still have a low debt to income ratio (I still plan to pay off the last two credit cards) Also, my current credit score is in the early 700’s.I am looking to make a purchase for my first income property within the year (by January) either long distance or within Sacramento, CA.Thank you all in advance! 

You will not fall behind somehow by learning and saving, being patient, and getting a good deal when the time is right.Some excellent books that will broaden your perspective:Quit Like a Millionaire by Kristy ShenThe Big Short by Michael LewisAm I Being Too Subtle by Sam Zell

It seems like there are many subtle provisions for FHA loans so I'll have to research them thoroughly to make sure I'm complying with all them.

Here's my list:-Buy, Rehab, Rent, Refinance, Repeat by David Greene (RE)-Real Estate Investing Gone Bad by Phil Pustejovsky (RE)-Investing in Real Estate by Gary Eldred (RE)-Quit Like a Millionaire by Kristy Shen (FI)-Playing with FIRE by Scott Rieckens (FI)-I Will Teach You to be Rich by Ramit Sethi (FI)-The One Thing by Gary Keller (Inspiration)-Am I Being Too Subtle by Sam Zell (Bio)-Shoe Dog by Phil Knight (Bio)-The Big Short by Michael Lewis (Business)-Liar's Poker by Michael Lewis (Business)

Best real estate book ever written.2) "Am I Being Too Subtle" by Sam Zell (who owns the largest mobile home park portfolio int he U.S. called ELS)I would also recommend reading all the free material on MHU and listening to the Mobile Home Mastery podcasts.That should keep you busy during the self-quarantine period of Covid-19 (and even beyond).

@Chip Marchandin order of most real estate-y to FI to general business:Buy, Rehab, Rent, Refinance, Repeat by David Greene (RE)Real Estate Investing Gone Bad by Phil Pustejovsky (RE)Investing in Real Estate by Gary Eldred (RE)Quit Like a Millionaire by Kristy Shen (FI)Playing with FIRE by Scott Rieckens (FI)I Will Teach You to be Rich by Ramit Sethi (FI)The One Thing by Gary KellerAm I Being Too Subtle by Sam ZellShoe Dog by Phil KnightThe Big Short by Michael Lewis