Even in regards to how you count population in the beginning, to get to a resolution, they had to create the 3/5ths clause so that they would count enslaved people, not as whole people, but partially to gain increased representation for the south.

@Ko KashiwagiYes, without the Triplex' mortgage, or if at least a portion of its rental income can be counted against the payments, my DTI would allow me to qualify for the amount I intend to borrow for the new primary.

Conventional, however, will allow the home to be classified as a primary residence, and for the veteran's income to be counted for DTI purposes, if only the spouse moves to the home for now. 

I suspect that the value added will not be much higher than hands off cost because there is few development costs higher than small units in small counts.   

We try to keep it simple, and provide examples in the guide for people that are not sure what counts and what does not.

The last time I was there in May I counted around 20 cranes in Midtown alone.

The problem is if you do it on single family (also known as boarder income) you can't count the boarder income toward qualifying until after they have lived with you for a year.If you go multi you can count the income, up to 4 units.

That money is intended for tuition and room and board so why not count it as such. 

@Jon PuenteBut my wife can move first… does that count?

Perhaps if I had asked for my answer in the form of a sonnet I could have gotten an Elizabeth Barrett Browning inspired “Let me count the ways” response.