Conforming loans are governed by Fannie Mae and Freddie Mac (if you recognize those names) and since those are Government Sponsored Agencies they want to see government tax returns to qualify you. 

@Cristian Escobar you are likely correct but you'll want to confirm which laws govern and ensure they are followed. 

CASH IS KING IN NJ You ain’t getting any kind of deal with a loan, especially a federal backed one.

I'd also search around the state government websites for a system similar to the GIS.

Currently working selling IT to the government. 6 Years W2 work experience, but looking to make the leap into RE Investing. 

The exact percentage is going to vary from lender to lender (unless you go with a traditional mortgage and that is dictated by FNMA and other government agencies).Your plan sounds doable.  

It is also hard for a lender to quantify the value of "room and board" and as banks have to justify their loans to the government I think you may have a hard time to stick their neck out for you unless your room and board is somehow listed on your paycheck. 

Of course this bill has been written by a realtor that has been on a federal board of realtors.

@Ryan Carter In California, no county will post the owner’s mailing address online because of the cited Government Code section.

When the DoD threatened a major reduction in personnel from Fort Campbell last year, it was met with heavy resistance from all echelons of government representatives on both side of the border which effectively shut down DoD's consideration of a major reduction.