Juan,CU can be tough when it comes to guide lines, overlays, DTI, credit, property type/condition. 

As @theresaharris mentioned these are just guidelines.

This allows our machine learning models to provide more accurate rental price suggestions by avoiding less similar locations.While PadStats is currently available in two states and a few other MSAs, adding support for Richmond, VA, would be straightforward.Their revolutionary rental Automated Valuation Model (AVM) considers 23 inputs for each property, using Fannie Mae condition guidelines to score and assess property conditions via AI and computer vision.

Do not let multiple people pull your credit unless they know their own guidelines. 

But if they have enough volume to spread out that risk with tighter underwriting guidelines, maybe that could be ok.But I suppose in reality, most doing those LTVs are also loose on the underwriting guidelines.

I literally had to get an UW to 3-way on a call with Freddie to prove that it was allowed to be omitted and the lender still said no even though Freddie said it was within the guidelines. 

I don't know that I would gamble and say you could sell it if it doesn't work out, you could be holding it for some time.

I can almost guarantee that FHFA, HUD, and VA will see guideline changes surrounding this over the next year or so.

I'd suggest you stay within the guidelines of your game plan. 

Which is not true and riskier to only gamble on appreciation I think.