The lowest option that is common is a 3.5% down FHA loan that is used for a primary residence.

The use type is certainly residential, but the common market perception is residential is primarily owner occupant product.  

This is most common with GSE products like Freddie Mac and Fannie Mae.

In detached houses the tenants typically pay all utilities like water, sewer and trash, which often are common utilities in attached townhouses and condos. 

Hi,It seems this is hotly debated on the internet.If I have a single family home and rent rooms out, are proportions of common areas allowable in calculation of depreciation and expenses?

The dreaded HOA required further inspections and prep work in the common area.Things I have learned...1) Keep an area untouched for daily access (shower/sleeping/toilet) and rotate after one area is finished.

But YES ask them for common curtesy, Hey install one of those smart thermostats,  

This is very common for "DSCR Loans" - can generally go through the LLC, it can be new and not an obstacle - but you would be personally guaranteeing the loan. 

Another thing we have in common is that we are interested in 'the good of the world.'

Here are some observations:The leading 8 listings have accumulated between 40 and 57 reviews in the past year.5 out of 8 listings feature 2 bedrooms and 2 bathrooms.2 out of 8 listings are studios, with the top-performing studio amassing 44 reviews in the past 12 months.The average daily rate spans from $116 up to $526.Next, let’s examine the most prevalent amenities among the 30 listings in this vicinity.The chart below illustrates the top 100 most common amenities in this neighborhood.