The requirement was a forced change by the FHFA which oversees both Fannie & Freddie. https://selling-guide.fanniemae.com/sel/b2-1.3-03/cash-out-r...I initially put down 20% on a primary residence loan.

In the current market you may find the third R as the most difficult with current home values and interest rates, but it is not impossible!  

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@Corey G.Sorry I mistakenly left the r off employer.  

I enjoyed working with Donna F and Danyelle R from Fund and Grow's team.

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Quote from @Leo R.: @Josh Mac keep in mind that Zillow can be completely unaware of factors that affect value...and some of these factors might not be apparent until you see the property in-person.For instance, maybe someone added a bathroom to the house, and now it's a 3/3, but Zillow thinks it's a 3/2.  ...or maybe the house is right next to a busy road with tons of traffic noise, but the Zestimate is based on nearby houses that are on quieter residential streets ...or the main floor beam under the house is rotted out--Zillow would never know that...In short, there are a ton of factors that can affect a property's value that Zillow might completely miss.The Zestimate can be reasonably accurate in showing a ballpark value...but, I wouldn't make life and death investing decisions based on a Zestimate...Leo's right.

Quote from @Marcus R.: @Travis Timmons crushed it with his response. 

Had a plan checker tell me I can build 2 ADU's on a R-2 zone since it's multifamily. 

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