In this case, the break is available to people who claim the standard deduction, which is $12,400 for singles or $24,800 for married-filing jointly in 2020.The House passed the $2 trillion coronavirus relief bill last week.In particular, legislators are calling for a “partial above the line deduction” for charitable contributions.

Unless ::  legislation gets  passed which will dictate for better credit reporting and not allowing lenders to hold these programs against borrowers 

The suggested legislation is also advocated for by the National Low Income Housing Coalition. 

Go back after ever legislative session to consult on any updates. 

While there is still a lot of regulatory uncertainty around JOBS Act legislation, there are certainties around existing regulations, some of which allow unaccredited investors, like Regulation A, or intrastate crowdfunding, which bypasses the federal regulations.

-Warren Lizio, Legislative Chair, IREM Chapter 4."

Now that the federal government is involved (see FHFA Issues Warning on Super Priority Liens), this ruling won't last long - as federal legislation is adopted to protect the interests of quasi-governmental agencies like FNMA and Freddie Mac.  

Also FHA 203K program is for purchase rehab if you're buying owner occupied.QM or Qualified Mortgage legislation goes into effect Jan 1, 2014 min Fannie/Freddie conventional loans will be 95% LTV.There is a conventional purchase/rehab loan for investors at 75% LTV of as completed value..

Las Vegas has had a run up because of legislation slowing the foreclosure process thereby reducing visible inventory.

I find it ironic that both your post and the article you cite, arguing there is no accountability, start by referring to CFPB testimony in front of the congressional oversight “committee session to mark up CFPB reform legislation.”