@Elizabeth J Humphrey These new regulations apply to ALL residential loan types, not just FHA.Upen Patel, Mortgage BankerFederal NMLS# 1374243

Also as of right now I would be using it to fund fix n flips and hopefully buy n hold but I can't seem to figure out how to structure them to protect all parties involved...I am also wandering about sec rules and how they apply to any of this.

I'm not sure if this applies to all states put is it true that if you are a real estate investor and you want to rent a property you have to live in for at least a year and if so do you think it would be wise for a new investor to purchase a multi family home that way you can live in one side and rent the other side out.

"If we apply the same underwriting that I applied to my loan sizer but use the rents that were in place at time of acquisition, the purchase was made at a 3.7% cap rate.

The $2500 is a hold and does not apply until the bid is accepted.  

When can I apply for the loan after I get a full-time gig?

Try applying at a credit union. they offer low interest rates and their policies are also quite flexible. 

I agree with Matt and Jason.Even in Sea to Sky district where no foreign buyers tax apply, sales are down on detached homes and it's now buyer's market.

I had one issue though with a perspective tenant with a rubber stamped service dog that applied to rent a property that indicated no animals. 

I will apply it in my journey of real estate.