. - In your culture it is normal for younger people to live at home rent free with parents until married, so you've been living with your parents who own their house in San Jose, and in the meantime you've been buying rental properties in Oakland.- You purchased a primary residence in LA a couple years ago, but last month you moved in with your fiance (who does not charge you rent) in San Diego, and converted that old property to a rental.- Any of the above, plus you are (or may want to in the future) buying or refinancing either a rental property, or a multi-unit owner occupied property, and wish/need for that rental income to "count" to make DTI work.Here's the guideline, effective date December 7, 2019:I guarantee you that different lenders are going to interpret "what about if..." questions/scenarios differently.

@Jay Hinrichs if Portland has some of the most intense hoarder houses in the nation in your experience, what does that say about the culture of our city?

We are a nation of selfishness. understand the culture and take action. 

Check out the culture and education opportunities.

I could stay in the familiar place with the culture I knew and where all my friends and family were. 

You on the other hand are trying to have a conversation about how cultured you are with an audience that could care less.

I'm curious culturally in the US, what do renters feel about living near/next to/across a funeral home or crematorium?

.- Renovation and remodeling will give you the ability to curate the space that perfectly matches the culture of your shop. 

I am building new construction there price points 400 to 2.5 million.. its an exicting city lots of culture without a lot of the negatives that some of the south can have.. 

You should also ask about the culture and how they hold agents accountable.