@Ahmed MoustafaThe general Fannie Mae guidelines you mentioned are for non-renovation loans. 

I think the biggest benefit of the AIA system really shakes out to be the effective & clear communication of the guidelines and procedures for construction management, which tend to be much more muddied in the residential world.

Conventional loans underwritten by debt to income/DTI will require 12 months due to Fannie Mae / Freddie Mac guidelines.

Depending on the zip code I was wondering could I gamble with them on a fix and flip or brrr.

I'm ok with gambling on it.

Perhaps use nonpayment of rent as a general guideline.

-Proper SEC guidelines/filings were not followed to raise capital from a large group of unaccredited investors.

There is not chart, there is a website called Vyzer that tracks this if you are an investor and use their platform.I know this does not give you a specific answer of XYZ, but I hope this helpsPS:As a moderator I am not employed by BP but volunteer to moderate the posts to make sure they meet community guidelines. 

This varies by lender as different lenders have different guidelines they underwrite to.

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