But I need PHONE NUMBERS to get better conversion rate for my letters.

If they push back, you might consider adjusting the rent to reflect the change.

Looking for a house we could house hack, had an incredibly low interest rate on mortgage and house has increased in value about 42%, an estimated 180k in equity.

Id keep looking if it was not an approved short sale ( even an approved short sale takes a very very long time and theres no guarantee that you will even close on the house after months of waiting). q1)There are plenty of non traditional lenders that could offer you construction financing if the numbers make sense but it will cost you with points and a higher rate.

*K&T wiring insulated with cambric and asbestos is not rated for moisture exposure. 

This habit alone changed the game for me—I no longer have a mountain of data entry in March. 

Interest rates atm seem quite high so will ride this out a bit longer (and ratios will continue to improve over time.) 

Live in one unit - It's a great strategy when using a bank for financing as the down payment and interest rates are more favorable to owner occupants.  

If you do have to move because of a job, you would be safest (in my opinion, i am not giving legal advice or financial advice), i would sell that property to ensure that you did not just purchase with the goal of moving out early and taking advantage of lower rates and lower down payments for purchasing your home as a primary residence. 

Trump has said he plans to keep owner occupied rates at 6% through 2026.