It's the same logic that applies with my constant reminder to myself - we overestimate what we can do in a year but drastically underestimate what we can do in 10 years. 

You can tell what zone you are in by searching your address here. https://msc.fema.gov/portal/search The City of San Antonio looks like they allow for certain construction in the floodplain as long as it does not raise the water surface more than 6 inches,but the "no rise" applies to the floodway.

We've never applied for a line of credit but I'm wondering if it's feasible to do, especially for a place that we want to reside in rather than a place that we want to rent out. 

If a licensed real estate broker, not a salesperson/agent, has “made or arranged” the loan, then the usury law DOES NOT apply.

Is this an NAR rule that applies to SFs?

Same applies to Queen Creek and Buckeye.

Being that owners can apply for the overage, that is the most "compliant" process and I don't see them changing their laws any time soon.

In particular, fair housing issues may come into play when a husband and wife or "couple" apply jointly.

At minimal the personal loan would be incorporated into your debt to income ratio when you apply for the financing on the purchase if you were trying to qualify on a full documentation loan. 

Is there typically a credit built in that gets applied to the payment during purchase?