The biggest impact IMO would be to upgrade the public areas of the home.

I didn’t find it in time.The safer option that will make me a less qualified loan candidate for a while: Quit my job, live rent-free for a few months (thanks Mom and Dad) while I get my real estate license, move to Denver (and rent), get a job as an agent, use my stash of cash to live off of for a while until the commission checks start to roll in, HUSTLE, HUSTLE, sleep, HUSTLE for as long as it takes to kill it and become an attractive loan candidate again.The yeah right option: buy a shoebox in the Bay Area that would force me to burn ALL of my free cash on a down payment then rent it out to (hopefully) cover the mortgage then pray nothing went wrong (Did someone say earthquake?).

Can anyone recommend what the most impactful of these are? 

I search heavily around Hill Air Force Base and in Salt Lake County. 

Long term buy and holds and obviously have to force some appreciation in order to refi out and do it again. 

Could you rent your primary residence out if your job situation or other personal factors forced a move and have cash-flow? 

Now, if you want a 50K property renting at 700 plus you are forced into the D neighborhoods.

This did drain that fund, but it also kept the impact to our personal finances very minimal. 

If they do it in steps over the years this will have a big impact on cash flow over the years while they raise the values back up.

Has your girlfriend been impacted by the new regulations?