@Curtis Wang unfortunately, I don't have anything definitive to say either :)Every state has different rules, and within states, counties apply the rules differently.

I would try to keep it under contract while you apply for rezoning or permission to grandfather.

Thanks for the confirmation that this market cycle is pretty unique.It's funny, two of the factors you mentioned apply directly to me.

Nor, does it give you the option to apply your credit score and automatically update the rate.

Convenient process If you are applying for a mortgage, then you need to know that it is very time-consuming.

Can I apply these deductions to my 2021 income?

The property passed lead inspection but i am worried the paint chipping, the base layer of it, may have been applied before 1978 and painted over several times.  

I am seeing several auctions and there is plenty of equity 50% or so) to make it a decent deal.my question is, for example HOA lien is 10k,  1st mortgage balance 100k   ARV 210kThis could get bid up to 110k or so, Does the trustee pay off the 1st (or applies excess above the 10k to the 1st)? 

Is that true or does seasoning only apply to new mortgages?

You can't, easily anyway, say that just because its a 50/50 ownership that only half the monthly payment applies to you or that since the "other owner" took out the loan that they are responsible for it.