Often times, after the initial showing, the next time I meet my applicants in person is after I've selected a tenant and we're meeting to collect the move-in money and sign the lease. 

I would imagine you would want to be pretty selective in adding a roommate as you are married and already an adult...

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It is ALSO coupled with immigrants coming over through refugee services as we are one of a select number of "cities" elected by the powers-to-be as such.   

Again, please consult a lawyer before proceeding and do your due diligence when selecting your team.

I shopped a couple rates from hard money lenders in my home state and selected the best rates for this pending deal.

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The lender I selected for my first SFR is aware of why I am buying the house and has priced it accordingly.

If they don't have final selections they are probably upping the allowances by quite a bit.

@Derrick Gordon Just sent you my spreadsheet I use for estimating costs and selection of strategy for the property in question.