Meaning once they get properly underwritten they'll be pressing DTI limits.Those two are not going to be reason the pent up demand gets exercised; if rates drop significantly and quickly it's for a net negative reason and likely job loss so those "pre" qualified and approved are likely on shaky grounds and buyer expectation shifts happen to the one's that are extremely well qualified. 

The bank will sell notes to other banks, mortgage companies, dealers and those who hold the proper license in a mortgage industry activity, just not to Joe.

Sounds like the county failed on multiple levels including not giving proper notice, not sending notices to the correct address, etc. 

This likely means living in Louisville proper, depending on the job's location.

If it is block construction the engineers will make you beef up the slab and add piles to support the new weight of the second floor.

They can limit what property owners can do, including house hacking.Even if the city has no restrictions, if legally binding and properly recorded, covenants can enforce rules that supersede local ordinances for those living within the neighborhood.

@Gerald Koonce Private lending from family members is allowed with proper documentation and compliance.

One city near me is checking all garage enclosures, giving nice notice to get them permitted, which they may or may not grant, and if you don't get it properly permitted by December 31, says they will start fining people. 

If you do a proper foreclosure and notify all parties a tax foreclosure can clear up an otherwise scrambled title. 

There is a lot of weight on marketing, and a lot of inputs to that cycle.