HOWEVER - and this is a strong however - a bank could have an "overlay" that that add ON TOP of the Fannie/Freddie guidelines. 

Is AC something you want to add All the time or do you have an option to add only during heat spells?

It presents challenges if you are trying to add on or build a larger building because of setbacks but as Jim stated it can lead to some cool architectural solutions.

Learned from a book or online course.Then add on top of that, inspection standards make them afraid of getting sued, so they call out all kinds of minor crap that every single house in the world will have.

Our tenant informed us he has to move out due to deployment.  He will be moving out at the end of September.  A month into his lease he added a roommate.  This roommate could not have qualified on his own, has not pai...

Just wanna add one more thing for all the new young guys just starting out.

Just going to add one thing to what @Joe Villeneuve wrote:4 - A Partner must provide something you don't have, have access to or have the resourecs to access.

Most of these old houses had work done by unlicensed friends and family, especially add-ons, plumbing and electrical.

But this does not obligate the add-ons to the loan.

Some examples of what I will accept:- Husband, wife and children- Two brothers and one of them has a girlfriend- Single mom with kids and a second single mom with kidsYou take two people (two) related by blood or marriage, and then add one more (you).