It means 48% of your income is being used up servicing debt (mortgages, student loans, car loans, credit cards, HELOC, child support, etc) Each lender has their own set of rules if the loan is going to stay "in house".

Every linear foot and elbow comes into play with the sizing.

I will be putting a section in the lease about living in a historical house that states the house has historical features such as this banister and landing that has a gap of more than 3 inches between the posts, the current standard, and that a child could put his head through the spacing, and that the banister height is lower than is currently used for fall prevention.Other things that are not historical such as putting in the GFI outlets by the sinks, I just do for the safety factor. 

I myself did a lot of this foot work as I was getting into my farming area. 

The hardest part I am finding with our youth is getting a foot in the game and creating a reputation that banks and lenders can trust.

Also, I saw the one you forwarded, I’m familiar with it but the wife and I are not in love with the area as we are looking to live there as well with our child.

Each unit is 1 bed/1 bath approx 1000 sq foot and shotgun style units.

I got new carpet free (stepped on once) on craigslist and subfloor at the home depot 4 foot by 8 foot costs $20. 

I have read vaguely online prices vary from $90-$100 per square foot but have not found any facts to back that up yet.

There are certain circumstances that they understand like getting married or having a child and needing to move.