FHA did recently change a guidelines in an important way when it comes to using rental income when figuring your qualifying income for a new loan. 

The eviction Moratorium is for all housing as it is a federal law and many states have more restrictive guidelines in place. 

@Rene Owczarski I spoke with the bank today being that the property is zoned agricultural along with the previous owner used it as a paint and body shop it qualifies under commercial lending guidelines.

Purchase price: $80,000 Cash invested: $3,000 Contributors: Cory Gamble SFH - 3bed/1bath home.

And yeah, it was brilliant, people were awe struck by finished product, point is it's big $ gambles, BIG, if I was wrong that coulda been a $40k+ "whoopsie". 

And if you tell them nothing happens, nobody will care because it's just not a thing.Seeking a new refinance is a different animal as guidelines require things you might not be able to provide. 

The HOA said it just follows Denver guidelines so we should be good there.

You're taking a gamble.  

I can assure you, if a document is asked for, it is to satisfy a requirement of the guidelines, or the investor, or underwriting to assure they meet the guidelines and investors requirements.

If so probably worth the gamble.