In my area, an armoire attached to the wall counts as a closet.

I was following along happily here until @Ivory Hayes idea of finding seller financing was dismissed completely and you can't wait 12 little months to refi.    12 months in the long game or real estate is a blip.If you are buying a commercial asset like a 5+ unit apt building, the financials of the asset will count more heavily towards qualifying.  

You will be able to count rents from the other units that you do not occupy assuming you use a lender who does not have an overlay on this guideline.

It's tough with low unit count properties to meet the 1% rule. 

With a little luck, you might even get a copy of the rental agreement before writing the offer (but don't count on it).

30 days and counting .... 

In other words, if you would count a married couple's combined income to meet your minimum, you have to do the same with non-married couples.I've honestly never heard of anything regarding discrimination against/for roommate situations, so I don't know if you can or should somehow count the other person's income separately. 

If I apply for a loan next year, will the lender count this 481(a) deduction as depreciation, where they add it back to my income, or would this completely screw my debt to income ratio?  

., but I've started reading classics that I've always wanted to tackle.Just finished The Count of Monte Cristo.

If it count, i flip my house last September after 2 years for almost twice the price i paid ;-)What were the profit margins on these deals?