I am not an attorney and am not giving legal advice only relating what happened with property that I bought.David KrulacBigger Pockets Podcast #82

I believe this should not be legal to existing contracts/leases and should only be legal for new contracts/leases.  

Again, worth mentioning, is that conventional guidelines are actually more strict than FHA guidelines when it comes to DTI calculations and qualification. 

Lenders can use legal ADUs to help qualify for the mortgage, so people that didn't even want to house hack before, may be in the market to do so simply to afford the type of house they want. 

The taxes, insurance, legal, upkeep, vacancies will drive you nuts if a few hundred dollars ruins your day. ;-) When foreclosures are common, (which they are not right now), I send out two thousand letters a week.

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

Just make sure you’re honest with your lender and the IRS to avoid legal issues.

My ex still refused to provide financial documents so I could file on my end correctly in 2022/2023 while still legally married.  

They're not legally wrong, they are just leaving me in a tough situation (try to find a new tenant over the holidays). 

They get high ratings (meaning they are considered lower risk) because they are underwritten to stricter guidelines.