I also require:Rent + Monthly Debt <= 45% of GROSS monthly incomeExample: So, someone making $6,000 per month ($72,000 per year) meets the initial income requirement BUT if they have a $750 car loan, $250 child support payment, and $250 credit card payment $1250 total then $1680 (rent) + $1250 (monthly debt) <= 45% x $6000 (monthly income)$2930 <=$2700 (DENIED)

So, I want to buy this house with a conventional loan as a primary home to house hacking and take advantage of the separate meters and all of that.

. $150-200k to rehab the home.What is the best way to secure the loan?

There are exceptions of course but we usually want to work with smaller, local loan officers and brokers are usually the best option - usually.  

I do not want to change the loan terms, only the % interest rates. 

I assume that the situation you described above was a bank owned apartment portfolio(foreclosed)?  

What an unmitigated disaster.Finally, to be fair to Thailand, that construction license situation could happen anywhere and of course it's sad for the buyers/investors involved but I suspect they didn't do proper diligence, in which case they likely have themselves to blame too.Indeed, the problem is that many people are too lazy too cheap and/or don't have the right knowledge or understanding to do proper due diligence.

Hello Mara HayesFor your situation, hiring a fee-only financial planner who charges by the hour would be a practical choice.

Unlike my current active stratagy on my 19 SFH,  I will not be able to recoup the renovation cost back out of the property value by having an 80% Loan to value pulled on the back end because the buy price is just not good enough.

Just your basic 20% down get a loan, etc.I know there are 84 other variables that come into play in making the decision.Does the think tank here have any general pieces of advice?