I've only come across a couple 401k plans that allow you to carry the loan and continue making payments after you're no longer employed with that same employer.If you don't repay the loan, then it's counted as an early distribution.

All family stays or blocked nights for work projects are not counted at all.

The result of having this renewable energy in the portfolio was a 30% increase in cost to the consumers, and that was with the government subsidies for hydro, solar and wind and a lot of double counting. 

If you're spending your time counting trivialities like this you are "tripping over dollars to pick up pennies".

Family and friends do not count as Landlord references.2.

I heard some lenders would consider future rent that I will collect from the property even if it’s just 7-80% of it, and when I talked to two mortgage lenders so far they said it won’t be counted until I actually have the rent come into my bank.

Unless they allow future rental income to count towards the DTI calculation.

HOWEVER, on that note, just because it does not report on your credit DOES NOT mean it is non-recourse and therefore it DOES count towards your DTI calculation in most cases going forward.Off my side tangent, a true non-recourse loan is any loan that does not have any kind of personal guarantee. 

I did my analysis as if I was not house hacking one of the rooms or as if I was counting myself as a paying tenant. 

I.E. plan is to sell the property in 5 years but he says he no longer wants to sell.You would be on the loan and the monthly payment would count against your DTI making it difficult for you to get loans in the future.