I think it's a bit speculative as the exact effects are hard to judge, particularly given how off many of the models have been.

With a 10% down payment, you can still leverage your savings effectively while keeping some liquidity for reserves and future investments.FHA Considerations: If you're considering another FHA loan, keep in mind the FHA rules regarding primary residence occupancy requirements.

Do you want to go to court and pay for a lawyer?

We decided to diversify in a few ways...given as a Broker Owner we only controlled TWO things, our roster and more effectively monetization of ALL our transactions.  

The lawyers will normally decide to offer only no PPP options as not to possibly conflict with the law, so the lender is mitigating possible risks in not being compliant. 

Go through a lawyer?

It was an effective tool for isolating old houses in a neighborhood of new builds in a very high-value neighborhood in Dallas and plotting all that onto google maps.

Utilities could be 10% of effective gross income (EGI) which is probably high but I'm thinking of heated units in mind.

The lawyers handling the divorce and CPAs need to answer this.

However, for the strategy to be effective, clients must ensure that they meet all the IRS requirements, such as maintaining the short-term rental for a sufficiently long period and passing one of the material participation tests (e.g., 100+ hours of active participation).2.