@Caleb Webster The Troost developments are permanently changing Kansas City.

If you vote yes, you will cap the property tax increases to 10% permanently.

And a duplex and always be reconverted to a single family home so the changes are not permanent.

I like the LOC approach as the closing costs are less however this isn't good for permanent financing. 

If I do would I still have the mortgage payment charged to my personal checking account since it would be my permanent residence as well as an investment? 

Cory -   it doesnt  sound like you will need  this extra income for  qualifying so no need to wait  fyi  if your hours  will be  guaranteed and stable   , then the  higher income  should be usable ...if the  hours  are not guaranteed (  eg.. overtime ….seasonal …..not consistent ) , then  likely to not be usable Going FHA is not that  wise  as  the  FHA mortgage insurance is permanent and wont be able to  be eliminated  unless you refinance the loan plus you will have a  large upfront mortgage insurance that you have to pay at closing  ….consider using  a conventional  loan  as the mortgage insurance will  be able to drop off or be eliminated in the  future

You might even find one willing to give you some "free" advice, hoping to get you to use their services on a more permanent basis.

If they charge you a fixed rate for x service they want to be in an out having solved whatever problem permanently.

In that time I’ve got to secure more permanent financing.

it sucks and for sure 90% of the folks out there do not know they need one in Oregon but if you get caught first offense is 1k then second is 5k and any after that is more than 5k and can get you permanently banned..