.: In a prior post from about 2 months ago, Kerry Malarkey and Nathan Gesner mentioned a small landlord is exempt from FHA requirements requiring the acceptance of emotional support & assistance animals if one of the following is true:"Owner-occupied buildings Properties with four units or fewer that are owned and lived in by the ownerSingle-family homes Homes that are sold or rented without a broker by the owner, as long as the owner doesn't own more than three at once" (Quote from Nathan's reply))https://www.biggerpockets.com/forums/52/topics/1219359-pitbu...Given this, if a landlord does qualify for the exemption, what exactly does this mean? 

The Seller has an emotional attachment to the house.

I get that you are from there so you are getting emotional and taking my comments personal, which were not my intentions. 

Paying down the note quickly is a power move too—love that disciplined mindset!

LTV & CreditEliminate the emotion and treat this like the business it is.In my opinion it does not matter who the borrower is as long as they have a track record of ATR (Credit)And I feel comfortable with the leverage (LTV)

A deal killer has no emotions.

Much more emotion into the deals. 

Hope this helps for now, and great to hear you are paying attention to your hard earned retirement funds with such care and discipline! 

Had lots of questions and emotions.  

Patience and discipline reaps its rewards.