Appreciate any stories and tips!

The credit union with which I work does have a due on sale clause.

@Ryan Stuckeywhat are the experience and credit requirements for the 100% program? 

They were actually receptive of the assessment and paid within 30 days.I am considering solar now and that will be something I pay on my own. the reason is HoA does not pay taxes and it wont benefit from the renewable energy tax credits.

VA is great for the 100% financing which covers 2-4 units as well and those can be rented in addition to rooms in a primary.Just make sure you shop around for quotes (without letting multiple lenders pull credit). 

Or do you just mean it may not be on your credit report?  

Along with the FHA loan, check out the loan from the Neighborhood Assistance Corporation of America (NACA).NACA was formed in 1988 and provides an affordable option for potential first-time buyers:✅ No down payment✅ No closing costs or fees✅ No mortgage insurance✅ No consideration of credit score✅ Below market fixed interest rateThere are several requirements to be eligible, starting with attending one of their workshops.https://www.naca.comI wish you all the best.

Good tip on the conventional guidelines.

The following are some tips and things to think about when house hacking in the Phoenix area:1.

She has good credit scores, job, money in the bank, etc.