That means no HOA neighborhoods, which rule out many places.  3bedroom might make it tough to work, unless you're sleeping in the laundry or garage and renting full 3bedrooms. 

I'm going back to sleep in the burn scar.

.- SS rule - self sufficiency rule - gross rents of all potential units 2-4  X gross rents at 75% needs to meet 1:1 or 100% of the monthly PITIA payment or greater.

However; investors also bear a responsibility to sufficiently investigate the contemplated investment, to assess whether the investment is appropriate for them, and to know or learn enough about personal finance to evaluate whether or not they are able to sustain a loss without undo strain.  

Leather is very durable and easy to clean but more expensive.Depends on the property and your budget.Sleeper sofas give you more sleeping capacity.

As far a a dollar goes, you cant eat it, wear it, sleep on it, or send it to someone across the world within a few minutes for pennies. 

It may not make sense for you, but people are still sleeping on it. 

I have lost a lot of sleep over it, and am actually about to board a plane to head to Maui to stay in the unit for a few days.

As a general rule of thumb if the property has a ground level commercial requirement in order to show sufficient hardship to seek a residential use change the property should be located in a location that is not conducive to commercial use i.e residential street, close but not as marketable as properties located on neighborhood's primary commercial corridor etc. 

. :)  dont know the answer but if I was guess there is probably some lenders that do it with sufficient equity.