The physical environment isn't for everyone, it certainly is not Miami Beach, but it is very Big Sur-esque without the price premium.

Love how you used the flea as physical evidence to get a seller credit

I'd also really appreciate any thoughts on choosing a big national bank vs. a smaller organization, as well as advice on how to filter through banking options to find a good fit. 

they'll probably talk your ear off =)also look into house hacking if that fits your lifestyle.

I use software from the hedge fund I work with a hedge fund that connects TO 4500 BANKS, LENDER, AND CREDIT UNION I can take a scenario to add it to my search engine it runs many different quotes so when I'm working with clients I put 5-10 quotes in from of them and save them lots of time and money and they go with the best program that fits the deal

@Jagan ReddyThere is physical occupancy versus economic occupancy.

As a workaround, we have a hidden lockbox that the tenant can access if code doesn't work and get a physical key.

If you invest in high quality areas, usually PMs are even more interested in working with you cause they realize this is a really amicable fit.4.

Tax (and often even zoning) designation don't change the comps for what it physically exists as.Is a residential appraiser telling you this, or are you basing this assessment only on your own understanding of these classifications? 

So, as always, consult a Loan Officer experienced in this space to learn if one loan product will fit you better…but in many cases FHA cannot even be an option since that self-sufficiency rule exists.Why did Fannie Mae make this change?