The way people use their money in real estate is changing.

I agree with other responses here, and to piggyback on them it seems everyone plans to 'own forever' when they sign a 30 year lease or finance term, and then things change (job, relationship, life events, etc) and folks try to sell the property with 25-28 years left.Banks do not look at power bills when determining DTI, but they will look at a solar loan/lease. 

It is different than a lease because some of the information may have been agreed to verbally or changed throughout the lease without being put in writing. 

Not technically part of the house but something you can't change about the house.

My goal changed from acquiring more inexpensive properties to looking at real estate as a store of wealth - quality over quantity. 

Hi There @Chinelo Ononye - Don't be afraid to keep investing here in the Windy City if it's your home lolWe've got an awesome real estate community here in Chicago and would be happy to connect to see how we can help.Generational wealth is an amazing aspiration and there is no doubt you are the "one" in your family that is going to make that change.  

You can't even change a lightbulb.You or your family can't use or live in the property. 

BTW look how incorrect you were, see this is what happens when people sit on the internet and THINK they are " learning" 44109 (median home price went from roughly 50k to 125k in 8 years)https://www.zillow.com/home-values/77009/cleveland-oh-44109/44102 (median home price went from roughly 30k to 120k in 8 years)https://www.zillow.com/home-values/77002/cleveland-oh-44102/44106 (median home price went from roughly 100k to 200k in 8 years)https://www.zillow.com/home-values/77006/cleveland-oh-44106/All the bestThats great but how has the income changed over the past 8 year?

So i am getting with the zoning dept to request a change to zone R-2.

@Nevin Wilkie, as noted, if you already closed on a conventional loan, your lender is correct that any change in ownership can cause the loan to become due immediately.There are a few options:First, most risk of being sued comes from you being a bad person.