Instead of debates and personal opinion, look for proof https://www.ladbs.org/docs/default-source/forms/plan-check-2017/single-family-dwelling-duplex-plan-review-list.pdf under G (Interior Env) which defines the minimum requirement of a habitable room (aka bedroom or bathroom).

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

It is debt you are obligating yourself to and lenders and the federal government think of it that way.Missing a payment doesn't mess up your credit, but it does mess up your day when you get sued or prosecuted. 

Using local hard money lenders usually works best.

I’m also looking for mentorship, partnerships, and apprenticeship opportunities to sharpen my skills and learn from those who’ve been there before.If you’re an investor, agent, lender, or property manager in Fairbanks, Alaska.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

private money lender How did you add value to the deal?

Since you are on the Austin forum and stated you are from Texas, I would be happy to get on a phone call or have coffee with you to help you focus on the task ahead.However, let me remind you, I am neither a real estate agent, or lender.  

-John You forgot to mention lender/investor.

Ultimately though, it will depend on the lender and the availability of funds (assistance) available for the demographic area that you are purchasing in.Do you have a property that you are looking at?