For the record, more or less the same thing came up for the last few years and got defeated every time. 

Yes, you can have a non-occupant co-borrower on an FHA multi-unit, but you'll need to put 25% down in order to do that, which kind of defeats the purpose of house hacking.

— most offices are inspected for this.3) Fair Housing and Liability - if the report is shared with you before the approval/decline you are opening up your agent and you into a world of liabilities - which quite honestly defeats one of the benefits of hiring a licensed RE pro to begin with.

Thus defeating the whole purpose of the game.

Both decisions could be wrong.I laid out the whole scenario about how it can actually work against the investors as well as how sponsors can completely defeat the supposed benefits in “The Hands-Off Investor”.  

There is no vague "involved with passive income" out-of-state exception to this to my knowledge.There are still multiple ways to hide corporate identity and defeat a simple lookup.

If we bought homes as investments, we would end up living somewhere we don't want to all the time and doesn't that defeat the purpose of investing.

*Nevertheless, there are certainly times when it is fruitless to engage further, and had this persisted I would have had sufficient ammunition to defeat any challenge to discrimination.

The reason there were 3 votes at the Board of Supervisors for this issue is because Terra Lawson-Remer defeated Kristin Gaspar last November. 

1) if the MLO has  any  inkling the  borrower  may payoff the loan  or sell the property in 6 months - they should avoid  using any srp  pricing   and  explain to the borrower as to why   (  of course - this likely defeats  the  benefit to the  borrower for  doing the loan ) 2) if the  borrower  has  some control of the  timing  on paying off  a loan  ( aka - they  sell another property and  have   cash to  use to payoff the loan )  ...and the MLO becomes aware ......ask the  borrower to  delay paying it  off ( if possible )  until after the EPO 3) Do answer the prepayment pen  question the way you describe  4) the EPO  that  come  out of the blue  especially  when a  recent loan is  refinanced  by another  company are the  worst ones to  deal with and  unfortunately  there isnt anything that  can  be  done to avoid these  situations fyi - most epo  periods are    approx  6 months  but there are   some that are  slightly  different  in timelines  ..eg.  6 months from  1st pmt due date ....6 months from when servicing is first sold  ...etc