Lenders are now recognizing ADUs more accurately, especially as national programs like Fannie Mae and Freddie Mac incorporate them into their guidelines.

I have noticed, the more business I bring a lender, the more flexibility in guidelines, rate, and terms I get which results in better deals for my clients. 

I wanted to chime in in regards to the investment purchase guidelines.

Quote from @Karolina Powell: The one with the repair problem and the reserves problem is a DSCR loanThe problem with the DSCR loans is usually there are very few set guidelines in each bank so their underwriters often add requirements at the behest of their investors.

If you need to be on the loan as well & you plan on keeping your current home, you run into the FHA guidelines regarding having more than one FHA -insured mortgage at a time.

A good Agent will be responsible both legally and knowledgeable of what is in the best interest to the buyer, However with the new regulations about to take place it is also important that you discuss the commission side of things with the agent so they can explain the new commission guidelines that are now about to go into place. 

- How do I convince my parent's I'm not gambling my savings?

FHA has caught on to this trend & updated the guidelines to prevent people from abusing FHA financing.Here are the guidelines directly from the FHA Handbook:Policy Exceptions Eligibility RequirementsRelocation: A Borrower may be eligible to obtain another FHA insured Mortgage without being required to sell an existing Property covered by an FHA-insured Mortgage if the Borrower is: • relocating or has relocated for an employment related reason; and • establishing or has established a new Principal Residence in an area more than 100 miles from the Borrower’s current Principal Residence.

It's a hit or miss with some lenders but the best capital sources I work with has an amazing rep and provides us with guidelines/resources to get deals closed.

Hi Jerry,SF has some of the strongest rent control laws in the country, limiting how much you can increase rent and they also have a strict guideline for eviction.