And to your last sentence, I'm not sure there is a workaround to avoid mortgage lending rules, especially if your loan is to a borrower who is also occupying the home (given how sensitive the CFPB is with owner-occupied loans).Sorry for the segue...https://www.nolo.com/legal-encyclopedia/whats-the-...

It's entirely plausible that the Somali in the above example had never been in a shower (I could stop the sentence here, but I'll continue) where water on the floor could cause damage.

@Russell Brazil and @Greg Scott thanks for you input despite my epic run-on sentence (posted from my phone and all spaces were deleted somehow).  

I am looking for some learning resources how to do what I explained and emphasized in my first post what are the biggest challenges for me (see quoted sentences).3: I apologize but i disagree here.

The confusion comes from focusing on an incomplete sentence about HELOC: "not deductible."

Since Vietnamese is a single-vowel language, each word can combine with another to make a completely different meaning sentence, that's why whenever I tried google to translate between English and Vietnamese, it always gives me funny result. 

So I use the shortest most complete sentence in then English language.

I don't understand your sentence "The whole point of VA home loans is no money down but why Multi Units?"

Account Closed , Usually, that sentence that you copies has created various private revenue ruling from IRS to a various taxpayer.

Well said. i should have finished that sentence by saying ", but they are out there!"