I do not promote anywhere on these forums, not even in the marketplace, so this is your assumption and interpretation of my post(s).

I'm a newer buy/hold investor in the Atlanta market.Interesting question that could be interpreted a number of ways.

@teacha there may be a new bill or something passing in regards to allowing this but unclear on its status or how city's are going to interpret it.

I.e. we have an interested tenant with emotional support dogs, and another on government assistance housing, so I'm trying to be very careful to not let there be any interpretation of discrimination.

State laws differ, beyond that, how laws are written and how they are interpreted in your local courts can be different, how a judge views some deal is critical before you get involved.

The interpretation of open credit with respect to the guidelines is as Charlie mentioned,  the example I gave as to the computation is simply a common overlay, not a rule, but prudent in mortgage lending, also commercial lending.We also like to see the use of cash, use of credit, there is still a lot of flexibility for a lender to forecast perceived risks.

Talk to two building inspectors and their interpretation of the state building code will vary.

I interpreted it differently than a couple of members who have responded. 

@Bryan C.This is a sticky one, with room for interpretation in either direction.  

I have read ATCP 134 and WI 704 for guidance and I'm interested in this boards opinions / interpretations of some points below.1.