It can change over time and the Fed has stated they still have intended increases to Prime rate planned for the next year or so.

@Zachary Anderson If this is a jumbo loan, then like you said it is probably a portfolio loan and requirements will simply change from bank to bank.

update:  I am successfully able to change my profile picture using the iOS mobile app. 

The condition of a house (and how to evaluate it) doesn't really change from market to market for example.

My goal when investing for a rental (personally and I know it will change base on the purchase price of the home)150 per door after insurance, taxes, mortgage, and 10% repairs 10% property managers and %10 vacancy

In addition, how would refinancing a few years down the road change the equation/outcome?

They said over a month ago that the locks would be changed and nothing. 

going out on a limb here, but wouldn't there be specific requirements for what makes a bedroom (this might change based on location)? 

I was in new construction (Plumbing) for over 30 years and just decided I had to make a change.

Can three owners sell their current property and 1031 exchange it as Joint Tenants into another property.Do we need to change title to Tenants in Common or anything like that?