Quote from @Jamie Hora: The question you pose in the title, "Is a rezone required if availability study can support more density". 

@Melanie Baldridge, I agree with your observation.  

All this fancy mumbo fha guideline gumbo means is that your projected market rents assuming all units, if it were rented Times 75% need to be greater than what your monthly payment is  (PITIA = principal/interest/taxes/insurance/assessments monthly), other wise FHA will not lend at that loan amount so common solutions to this when rents are too low in your local market are to put more money down payment which defeats the whole purpose of low 3.5% down FHA doesnt it?

Quote from @Bruce Woodruff: Yes I agree with Bruce, I had one done about 2 years ago now for a client that got me fully on board with having my clients do them all the time.

I've noticed a lot of hype around Dubai’s off-plan real estate market lately, with many people jumping in, often without a clear understanding of what makes a solid investment.

well 70% of 455ks isnt much more than you currently owe at 283k the 70% of 455k is 318.5k and after closing items you might only net 20-30k tops (new loan minus current 283k - closing items = net proceeds in "hand.").So The question you should be thinking about is what are my closing items and is this enough cash to accomplish my mission/goal?

I would ask the daughter this and see if there is someone else that she has been in touch with to get ahold of the month.

Take this with a grain of salt since you seem like you are trying to get started in real estate investing somehow.

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Hope this helps!