Same thing as Bankrate for example they use a very specific model to price those rates and scenarios like 740 Fico, 70LTV, 15 year term and the APR is never really talked about when it comes to margin and points charged.So when your fico score, LTV, loan size or DTI deviates from that very specific loan scenario then they say in all websites required by law "rates are subject to change" hint hint! 

The bill currently says any home that's not a primary residence that's rented for 90 nights or more is subject to commercial property taxation.

FHA allows the construction or renovation of an ADU on the property by refinancing into a 203k loan, but the property must remain your primary residence.This stuff is subject to change, lender specific, and subject to other factors.

It's all relative and subject to change based on each individual person.

Subject: Status of Your Rental Application Dear xxxx, Thank you for your interest in the rental property at xxxxxx.

You need to log everything to protect yourself from any liability.Going back to your initial question--price is subjective.

It would not surprise me if they were acquiring the paper and servicing rights to take an inside line on refi's for these customers if rates decline.Actually CFPB regs may NOT apply if the subject loans are investment or commercial property loans and not SFR owner occupied or consumer loans. 

The rental house is 2 houses away from a house that had been a meth lab, and there is still dealing going on across the street from the subject house.. 

that isn’t subject to higher down payment requirements or higher interest.

You'll have depreciation shielding your passive income, so that's a 35% savings on your marginal income. however if you flip you'll be subject to higher tax rate - so you'll have to figure out what strategy works best for you.