You guys are all over-thinking this, I think.Fannie Mae and the mortgage industry follows the same federal fair housing laws that everyone else does, and she wouldn't be doing business in any state where her guidelines break the local laws.

The investor that holds the loan is Fannie Mae any ideas to get the solar panel ( good leap ) to accept a settlement? 

please do note fannie mae doesn't allow excess rent income more than DSCR 1.0 for primary house so you can't offset excess income for next primary or to reduce DTI so if you can plan it ahead carefully this could be the most profitable approach with the least risk possible. 

As of November 2023, Fannie Mae offers a great 5% down conventional loan on multi-families.

The podcast you mention is referencing (i) Freddie Mac Small Balance Loans ("SBL"), and (ii) Fannie Mae Small Loans, which are essentially government-backed CMBS loans. 

Conventional loan means it is backed by Fannie Mae and Freddie Mac. 

I am just trying to determine if the townhouse I have would be considered a condo by Fannie Mae.

This is due to updated guidelines from Fannie Mae and Freddie Mac aimed at reducing risk.The rationale is that having the tenant's first month's rent payment in hand provides proof that the rental income will actually be received and is not just projected.

If you're doing a conventional loan, Fannie Mae and Freddie Mac guidelines say that delayed financing will follow "cash-out refinance" pricing matrix which inherently has slightly higher rates than a purchase. 

@Molly KimDid you ever find the site you were looking for?