This is a local bank in a rural area and my girlfriend and I have our mortgage on our home through this bank, but I really am not sure how they would have pulled my girlfriends information for a credit check if her Mom did not provide the info.We will be calling first thing Monday morning when banks open, but our major concern is whether she is able to sign for the loan (should it be approved) without my girlfriends approval, since she is also listed on the deed. 

I even had two people claim to be licensed in certain areas that in fact they were not and could not even pull a permit... not to mention they were not even properly credentialed for major things like electrical and plumbing. 

DSCR loans often are reported on someone's personal credit report as the vast majority require a personal guarantor.

AI can do driving for dollars and it's 102.3X - 300X more efficient than manually or virtually driving for dollars... follow the math below:The major difference between manually (or virtually) driving for dollars, and using AI, is the efficiency and cost savings.

Long story short, cosmetically ugly and out of style is fine, not functioning isn't and WOOD ROT is a major no/no with FHA and VA appraisers.

I am 5 miles from 2 major hospitals in the St.Paul MN area.

We will have a major shortage of SFR for at least a couple decades.

Right now around here (I live here in your market) if you are talking basic turnkey - nothing specialized - you're going to be right around $200/sf finished, not including permits or ancillaries (IE you need a bigger septic system, you have to do major grading work for the addition, etc).

The location definitely was obvious, at least to me.I’ve hosted monthly meetups in my area of Mesa, Arizona for around 7 years now and the majority of people that attended came from BiggerPockets.

Considering your goal of house hacking a duplex, while FHA loans are common for first-timers, there are alternative financing options to explore:Conventional Loans: Need more credit and down payment, but offer flexibility. 203K Loans: Ideal for fixer-upper duplexes, bundling purchase and renovation costs.VA Loans: Great for vets—no down payment, competitive rates, and no mortgage insurance.Portfolio Loans: Private lenders, good for unconventional income or credit histories.Hard Money Loans: Quick, high-interest, good for investments or major renovations.With $30,000, mix it up—use it for a down payment, maybe pair with a conventional or FHA loan.