Except Frank it seems loves public speaking and telling hair raising real world park management stories.  

The normal guidelines for conventional financing do require 25% down payment so it just depends if the lender you're going to has access or know how to do the correct programs for your house hacking strategy.The conventional program with 5% down is best when fico scores are 720 or higher, while FHA, the later, is best for scenarios where there is more hair on the deal (credit issues, lower scores, income in consistency, etc,etc).Hope that helps.

I am sure your lender's loan agreements will have some catch-all legal language that requires you to affirm you know nothing of the sort of thing you describe about your property.

@James Wise @Eric McQuistion @J Martin @Brandon Turner @John MooreThank you all for the good words and the affirmation.

Bedroom #3 had been turned into a commercial space at one time (an at-home hair salon) and needed some work to return it to a bedroom (remove water lines, etc).3.

Someone recently wrote the late 60's and early 70's are the "new" 40's (obviously they have never tried to get out of bed in the morning at that age).Seriously, since I stopped dying my hair and let it go totally grey/white I get all sorts of folks trying to help me in my "old age". 

Personally, I wouldn't add hair to the deal now with the conventional offer.  

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I get so many calls after some mailings I want to pull my hair out.