My question is whether the income qualification guideline vary among conventional lenders and some may allow inclusion of future sale of stocks.

If services are not available less than 12 SFD may use septic systems, over that a sewer system must be put in place or a community system that meets guidelines, $$$,$$$.$$!

They want to buy their first buy and hold they have very little funds but a good job and credit that leverages you into a house in the mid west or out East but the TRUE cost of ownership especially in the low end is so high they quickly go through what little reserves they have.Its a gamble and a risk..

Obviously each person can tweak the numbers to match their scenario, but it gives an excellent guideline.  

That is a highly variable cost that isn't a factor in the 50% equation based on my understanding.It's all just a guideline.

Either way, document your loan and use the ability to pay guidelines. ;)

I can not post their number as I am not sure if it's against forum guidelines. 

HML's will give you their guidelines and requirements, but they're not going to do a lot of vetting a particular deal, until there is a contract in place with the buyer that wants financing.

But the only relevant negative answers that apply is if it is not allowed by law or IRS guidelines.

The next step would be for my dad to quit-deed the house over to myself & in turn, I would pay my siblings their 66% share of that agreed sell price.My plans were to pay the 66% with a conventional cash out refinance that would coincide with the title transfer but my mortgage guy told me the HUD guidelines call for the title to be in my name for 6 months before I'm eligible to refi against the property.That said ( if that is a true HUD requirement) I believe my next best options are to:1.