With the single classification, you hit upon divorce cases and widows which is why I went with the 35-75+ age inclusions.  

Two phrases to look up are wrap around mortgage (sometimes called a wrap) or an all inclusive trust deed (AITD).In both cases you are effectively creating a second or junior lien above the existing 1st.

Each unit rents for $685.00 inclusive.

I attempt to sell the homes as quickly as possible and these little "inclusions" cut down on advertising and carrying costs.

Is your rent inclusive of utilities or plus utilities?

The seller had an all inclusive deed of trust to protect themselves in case anything went wrong.

@Raji Ahmed There is also on the west coast ( specifically California) what is called an "all inclusive deed of trust" its a wrap document that is in the form of a DT and spells out the senior lien right in the document..

Based on the HUD guidelines the income inclusion/exclusions they list are only with respect to PHA.

I'm considering doing an all-inclusive...

Thanks @Albert Bui , since this is an investment SFR, are the reserves requirements only for 6 months PITI of this loan, or will they also require reserve amounts inclusive of other mortgage/rent payments I have obligations on?