He'll be working on 5 hours a sleep of night (if he's lucky) and you likely less.

Wethink it’s important as it allows us to check for Non-Sufficient Funds (NSF) issues and to determine if anapplicant is living paycheck-to-paycheck.

Realistically a cheap ac repair is $250, you’re losing time/money/sleep over an additional $250.

Other than that I dont give an F who you sleep with

I recommend you do some market research on the price points to purchase and what you can get for rent to answer the question yourself.Regarding a 3 to 4 unit, If you decide to use an FHA loan make sure you research the FHA self-sufficiency guidelines. 

Since you're purchasing your first home, you likely don't have this rental history.Lease Agreement: While a signed lease agreement is a positive step, it might not be sufficient on its own for a lender to consider the rental income in your mortgage application.

I did not know that triplex/fourplex would require self-sufficiency test.

This does very well with no complaints and I stay pretty full.The other place has King Suites( one bunk bed room) and already sleeps 23 so I've left this configuration alone for now.

Regarding not good credit, I usually request a co-signer and copies of their bank statements showing that they have sufficient reserves in case anything arises.

Typically in California, a Will alone is not sufficient to avoid probate - which is a pain, time consuming, and very expensive.