There are also discrepancies due to whether or not the public record includes garage square footage.

As a "retired" public accountant and tax consultant I perform a lot of detailed ROI analysis for my clients. 

You could go either route but don't mix the two in concept as one is a mule and the other is a horse.And, the requirement that properties be listed for sale by a bank is a bank regulatory issue having nothing to do with the NAR, it ensures that the property is held for sale in a public market at its assumed fair market value.

If you want 100% of your investments in public equity, that is fine and you will reap those rewards or suffer those losses.  

Your best bet is to read information from public blogs that approach both options objectively.

But then, in the public meeting, people were like “uh what about unmarried couples?

Financing provided through this program is only available for properties located in Michigan or Florida.Available Product Type: SOFR 7/6 ARM, SOFR 10/6 ARMLoan Amount: $766,550 MaximumLTV: Purchase and No Cash Out Refinance - Maximum 99%Prepayment Penalty: NoneLoan Assumption: NoneEligible Properties: 1-unit dwellings, attached and detached condominiums, PUDsEscrow: An escrow account must be established for property taxes, and flood insurance, if requiredUnderwritingNo Private Mortgage InsuranceOccupancy – Primary residencesMinimum Credit Score - 700DTI – Max 43% (UW/Mgmt exceptions up to 50% with minimum 3 documented compensating factors)Student Loans – If in deferment, no qualifying payment requiredDown payment of 1% must be borrower’s own funds, while closing costs and prepaids may be gift fundsAttached condominiums require a 10% down paymentEligible Borrowers – Protect and serve heroes are defined as employees of public or private education institutions, employees of medical and healthcare organizations, all first responders, and active or former military personnel.Servicing: Retained

Of these properties do they have parking and how close to public transportation are they? 

Plaintiff's attorneys normally cast a wide net to start to take inventory of what insurance may be available and the property owner is the easiest to identify since deeds are public.

I recently read people making up to 117k a year can qualify for public assistance in SF.