Investment Info:Single-family residence fix & flip investment.

The first statement "he sold it with no capital gains" is a bit worrying, do you mean he used section 121 exclusion for the capital gains he incurred selling a primary residence? 

If it's 65%, they won't care about credit. 

Internal Revenue Code, unless their taxpayer guardian resides in the same unit.Property Ownership: Individuals or households that own real property are not eligible to occupy or lease the Affordable ADU.Liquid Asset Limitation: Eligibility is restricted to persons or households whose liquid assets do not exceed 110% of the annual Area Median Income.

If you don't care about appreciation, you should look at Cleveland, OH.

My primary residence is also 90% the same shade of white but different sheens. 

Investment Info:Single-family residence other investment.

I recently bought a primary residence in San Pedro, Los Angeles.

Investment Info:Single-family residence fix & flip investment.

They come to you because they don't want to, can't, or don't care to figure things out for themselves.