@Max Householder Looks like Connected Investors just released something that is very similar to what you are describing.

@Jon Holdman is talking about the Garn St Germain Act of 1982"Part C Preemption of Due on Sale Prohibitions DUE-ON SALE CLAUSES (d) A lender may not exercise its option pursuant to a due-on-sale clause upon--, (1) the creation of a lien or other encumbrance subordinate to the lender's security instrument which does not relate to a transfer of rights of occupancy in the property; (2) the creation of a purchase money security interest for household appliances; (3) a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety; (4) the granting of a leasehold interest of three years or less not containing an option to purchase; (5) a transfer to a relative resulting from the death of a borrower; (6) a transfer where the spouse or children of the borrower become an owner of the property; (7) a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property; (8) a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or (9) any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board. " The Full Act is at https://en.wikipedia.org/wiki/Garn%E2%80%93St.

A simple list of "before" assets and "after" assets in general categories (household goods, vehicles, cash, retirement accounts, real estate, collections) and itemized liabilities is usually sufficient.

So to get a 4 BR voucher you’d have to have an 8 person household.

We have many beach condominium options in Orange Beach/Gulf Shores that qualify as a second home investment with programs with as low as 10% down, so you don't always have to come up with the larger down payment, but some buyers choose to go with a higher down payment to get a better rate. 

I like the idea of helping people get into housing and really it is hard for a lot of single people or 1 income households to afford housing. 

While Limited Lodging is a permissible accessory use to Household Living, it is not permissible unless (i) the unit is the primary tenant's principal residence and (ii) the tenant lives in the unit for more than 6 months.

Or maybe its 6+ owner.according to municipal code 20.150.040:Household.

You will need to know what the HOA fees are and you should also ask for the Condominium Declaration plus the minutes of the board meetings for the past year.

But mostly our household income has nearly doubled this year over last.