A particular loan will require that but it depends on your financing choices.  

My source of funds are taking withdrawals of ROTH contributions (last choice) or using part of a large monetary gift that my parents are going to be gifting to me as part of their estate planning.

I used his reviews to narrow down my choice.

If someone buys wasteful courses that's their choice, but nobody forces you to spend $40,000, you make the conscious decision to do that.

If not, then two square feet of sod watered with a watering can would honor your word and net you another $100/month.Your tenant is right though, if for whatever reason there is no grass, and you promised $100 off until there is grass, then you have no choice but to keep making the discount.

Home ownership is a life style choice and a liability not an investment.

@Blair Boan I do not have an answer to your question of which choice you should make, rather I would like to persuade you to an alternative path.  

Where you land in that code is a personal choice not a government directive or predetermined destiny.  

Put into your spreadsheet of choice a column called (Marketing Expenses) and put in the commissions there if you use an agent, and if you don't then best of luck on selling that property and doing all the leg work to get it sold.

You are still allowed to reject that unauthorized roommate if you find criminal or other negative findings from the screening.If you decide to approve the new tenant, just draw up a new lease for a 1 year term (or your choice) with the new rent and make sure all roommates are included on the lease. easier that doing addendums for rent and roommates etc. and you get them to commit to a new 12 month lease so you dont risk move-outs in the middle of winter.