But being so, I was extremely impressed with the class of auditors, insurance, etc...

I don't want to disturb the current tenants with just curious viewers, so I have informed everyone interested in the property that I will be doing only one showing at a later date, but for screened applicants only.But I don't want to show to those that I can see are not good candidates, only to those that pass my requirements.

I don't know this GC, but his initial impression online and over the phone (been in business 40+ years) seems pretty solid. 

I've seen nice graded maps for other cities so I am hoping to check out one for the 3rd largest city in the US.https://www.google.com/maps/d/viewer?

I was in shock as I was under the impression that there would be no charge (as stated by my tenant) as they did not find the issue.

Length of credit impacts your score as I'm sure you know - or at least don't close your oldest card.I'm under the impression that the ability to get conventional loans is about your DTI and your credit score (depending on what type of property you are purchasing), so it seems logical that if you have high percentage of DTI, you wouldn't get a loan...

@Troy HebertA commercial lender will do it but as this is your first purchase you will have to impress them with your due diligence and presentation.

My impression was that an owner occ could rent out a room, especially if they're allowed to rent out 1/2 a duplex! 

Lots of impressions but no clicks yet. 

Your question is pretty vague, so not sure what kind of answer you're looking for other than personal opinion..But - if your trip was from Fairfield to Homewood to North Bham, I can imagine the impression you got.