Before I even got to talk to loan officer, he emailed me that he saw the fee and removed it.

@Chris Utter If your issues are you don't want to drive and you do not want her knowing your address then just get a PO box from your local post office.

HUD would consider an office or living room as a bedroom for occupancy purposes per the Keating Memo.

There is a church for sale with 2 bathrooms, office and 2 class rooms.

If there are some busier agents in your office you can ask them too.

@Deniqua AntoineYour profile mentions that you are a realtor + househacking.If you are a realtor, you want to have a conversation to see if you are eligible for Real Estate Professonal Status(REPS).Below is a sample of expenses that realtor's are eligible to deduct - MLS Fees, Home office, Mileage, Business Gifts, etcHouse hacking makes your tax situation more complex.You purchased a property that is treated as both an investment property and a personal residence.

You may need to bump your scores, but most loan officers have the tools just as I do to help get your scores up.

.● Robocalls to emergency services, hospitals, doctor’s offices, healthcare facilities are prohibited.● Any calls made to lines for which the recipient is charged for the call are prohibited.● No artificial voices or recorded calls can be made to residences without the recipient giving prior consent (opting-in).

We are looking for a 4 bedroom (or 3+office) and 2.5 bathroom home, with a full basement.

@Jonathan Klemm, to answer your question my next steps from now until December 2022 is to bulk up my savings (my goal is to have 50-60k liquid to begin my search), research neighborhoods actively (I have a tentative list but sine I am originally from NY I'm still learning, research which folks  I want in my team (investor friendly loan officers, real estate agents, etc.), keep working at deal analysis so by the time I'm ready to buy I can run my numbers, and finally explore other options to investing in Chicago.