Santarelli,Does your company have any multi-family dwellings available for this program you offer, or is it all SFR?

@Ed Ventura, if the property is not zoned as multi-family and has several dwellings on the property, it likely will not qualify for an FHA loan. 

Financing provided through this program is only available for properties located in Michigan or Florida.Available Product Type: SOFR 7/6 ARM, SOFR 10/6 ARMLoan Amount: $766,550 MaximumLTV: Purchase and No Cash Out Refinance - Maximum 99%Prepayment Penalty: NoneLoan Assumption: NoneEligible Properties: 1-unit dwellings, attached and detached condominiums, PUDsEscrow: An escrow account must be established for property taxes, and flood insurance, if requiredUnderwritingNo Private Mortgage InsuranceOccupancy – Primary residencesMinimum Credit Score - 700DTI – Max 43% (UW/Mgmt exceptions up to 50% with minimum 3 documented compensating factors)Student Loans – If in deferment, no qualifying payment requiredDown payment of 1% must be borrower’s own funds, while closing costs and prepaids may be gift fundsAttached condominiums require a 10% down paymentEligible Borrowers – Protect and serve heroes are defined as employees of public or private education institutions, employees of medical and healthcare organizations, all first responders, and active or former military personnel.Servicing: Retained

Phishing is the number one attack vector and is successful because humans have emotions and can be manipulated.

From my understanding, insurance won’t cover a dead tree falling as this is a result of “neglect” but would my current dwellings insurance cover it under personal liability?

You would want to look at the Texas Health and Human Services Commission website.

The floor area is to be calculated on the basis of total dwelling unit area.Thank you for making some excellent items to consider going forward.

They allow up to two dwelling units per lot but that seems to be more for like a finished basement unit.

When you ask a simple, direct, human questions of "hows it going", it's definatively disarming. 

If there were a tech solution that solved the security problem or a human solution (licensees whose sole job was to open doors), that would be a positive, time-saving innovation.Again, for the many'th time, your referencing EXISTING things/business's as-if your planning to "invent" what already exists....... https://showami.com/