Or with a duplex driveway, one could try a snowblower or one of the body sled type shovels (depends on your amount of snowfall and personal fitness/interest).

@Linda Weygant It is possible that some localities have an overlay that would govern the situation but I have not heard of any. 

Conventional loans are the loans governed by Fannie Mae and Freddie Mac (if you recognize those names) and they are the lowest rate and best terms on a loan you can find.  

Conventional loans are governed by Fannie Mae and Freddie Mac (if you recognize those names).  

@Cenddie Alaban there is a lot to your post so I will try to tackle it in pieces.For the most popular loan types (FHA/Conventional/VA/USDA) these loans are actually regulated by the federal government.  

Given that you clearly have a good grasp of the mechanics, I agree that if the value is peaking and you'd eventually just have to re-buy the property from the government, holding on to it long-term is maybe not the best course.

Many universities only guarantee housing for 1-2 years and most of the student body has to rent for the second half of their school career as a result.

Despite what the government and pundits tell you they never went away.

There are charities and government services that will help people in bad circumstances. 

I feel like the government will be regulating more.