If you insist on shopping, just ask for a soft prequal and give a lender a run down of your scenario. 

- Property Insurance Alert - Many Premiums Increasing in 2024Today’s Interest Rate: 6.80%(☝️ .03% from this time last week, 30-yr mortgage)The Weekly 3: Data and News to Keep You InformedADUs Gain Momentum Nationwide: Accessory Dwelling Units (ADUs) are growing in popularity, especially with the rise of the work-from-home trend as a way to offset mortgage costs from high interest rates (JBREC)The housing market’s ‘lock-in effect’ is very real: Most sellers are buyers, naturally they have to move once they sell their home. 3% interest rates mean they won’t sell until rates come down (Fortune).Yellen Declares US Economy Has Achieved Soft Landing: Too soon to declare mission accomplished?

Let's say our fourplex has soft-story parking (that's ground-level parking with units overhead) that can be converted to two studio ADUs.

Soft bumps and very nice cruising.

The 90% LTC lender only applied the purchase price and the soft/hard construction costs & contingency to their definition of LTC whereas the 80% LTC lender also financed 80% of the settlement costs and interest reserve.

It's generally best to secure a property while demand is lower and the market is soft.

You can always ask that they do a soft pull instead of a hard pull as well.

I definitely have a soft spot for Statesboro (went to college there) and the property is much cheaper so we may be leaning that way.

Some tenants would start talking about Jesus, etc. and quite frankly I have a real soft spot when it comes to Jesus. :-) Now if somebody says I’m not a Christian, etc. etc. just because I don’t let them run over me I can handle it a bit better, but I still do not want to self manage.We now have a property manager that handles our properties.

My advice... make sure you have a big soft cushion.