You can't afford to wait to act any longer.  

While we need massive reform in lending and solutions for home affordability, that ain't it. 

Like I said my fault, lesson learned, luckily it cost me more frustration than anything. 

@Kash Tacke I'm a big fan of ADU's in general especially here in the mid west, yes you could potentially be on the front of the wave, but housing density is the solution to the affordability issue, anytime you are investing with affordability in mind is a great strategy to me, and sound like there are some incentives or at least supporting winds form the local city, that in itself seems like it would be worth at least approaching an architect or contractor to bid up some plans or concepts to take tot he city.  

It's got everything to do with people just not be able to afford it, even if they wanted to.

This simple update has big implications for property owners, allowing small repairs and maintenance to be handled more quickly and affordably.

And if they couldn't afford it, they should have sold, moved to what they could afford. 

One thing that I find frustrating is categorizing same year capital deductions (e.g. furniture that is able to be deducted in the same year due to 179).  

Hyattsville and surrounding areas are more affordable than other parts of the metro. 

Ability to repay - can you as the borrower afford the payments based on the loan amount.Typically they will not take into consideration the mortgage on a new property that has not been taken out as that is new.