Feel free to reach out and I can share the details with you!

.: @Indrani Peyton There are more details than just simply getting approved for 400K with a minimum 27K income.

If you have the name of a good adjuster I would appreciate the details. 

Will you get the extra rent for the additional bathroom and how long will it take to recoup the cost?

Can you share the lease details? 

I think @Michael Doherty sent you a list but if you want to connect with people here, contact @Brandon Rush, @Stephanie Cabral, @Devin Peterson, @Ryan Luby for his meetup details. 

I can send you details if you'd like to come. 

They can provide you with detailed information on their rental income calculation methods and help you understand how rental income may impact your ability to qualify for a mortgage.Additionally, working with a knowledgeable real estate agent and mortgage broker who have experience with rental properties and relocation situations can help you navigate the process more effectively and ensure you find the best solution for your needs.

@Mounish Thatikonda, while I can't speak in too much detail about the financing side, I will note that I have never built a house, but had talked to lenders in the past, and they were willing to finance a new construction house for me with full personal guarantee and a reputable builder contracted to manage the construction.  

Kislay,Thank you again for the detailed and thoughtful analysis.I am not clear what you mean in your last paragraph.