The UW will then counter the loan as an investment property and require 20-25% down or counter it as a second home with conventional financing with a min down of 10-20%.This is what will happen if a loan officer submits the file as suggested above.It would have to be a pretty rookie mistake by a loan officer (LO) though to submit a file with out the property explanation and documentation because it would not put your file in the best possible light and achieve what you've intended to achieve.Is it possible for her to get a primary residence ?

This will teach you enough about your local markets to start answering your own questions on where to invest as well as give you food for thought on what you are trying to achieve with investing (what kind of investing, your criterea, etc)Good luck

Our 8 year goal is to both not have to work for the man no more and will do what it takes to achieve!!!!

The barrier is not technological capability - there are 10s of thousands such buildings in Europe {search on Passivhaus} - but lack of will (economic and political).Equally important, and potentially more difficult problem to solve, is retrofitting of existing building stock to achieve significant energy use reductions in a cost effective manner.  

My goals are lofty to say the least but I believe that it is possible to achieve them even thought my parents and everyone else says they are just not going to happen. 

@Bill Gulley  Engelo is not a Guru he is just a hard working young man who is building a turn key business and PM business.. along with he just launched a real Estate brokerage in Ohio called list and sell which is a discount brokerage for high achieving agents in that market place..  

I would guess they are buying non and sub-performing loans to achieve the higher yields.  

Time is better spent hosting lunch-and-learns, being a junior achievement volunteer, putting on financial literacy courses at your church, starting web sites like BP, hosting podcasts to help others get ahead...practical stuff (where you may be able to help 1 out of 10 or 20 who are willing to fix the habits that keep them in the middle class).Class warfare creates more divide than it provides help or solutions.

It all depends how involved you want to get in the project and what level of sound proofing you are trying to achieve.

The best DTI you can probably hope to achieve with a bank loan is about 45%.