This increased demand and consumer spending during a time of extreme low supply, means prices go up.Remember, this is the third inflationary housing policy in as many months proposed by the federal government, all during an extended 3-year time period of high inflation, which is still near double the Federal Reserve’s target rate.

If the homeowner has a material change in circumstances (transfer of title to his house) then he needs to inform his lender.

Many communities (like those on the OR Coast) are small and have genuine housing shortages and challenges.

I currently own one rental property in Fort Worth and own one house which I occupy in NJ.

Just a few thoughts...If the house is spacious enough where there is no need for extra private space, I'd say keep the garage.

Do you doe them on primary houses only or also on investment properties? 

However, my review of several potential students' housing deal in Arlington TX 76013 zip code gave me negative numbers with Biggerpocket's calculator.

- Occupy one or two of the units until we stabilize, then maybe buy a house?

I'm personally focused on commercial real estate, particularly affordable housing development as market conditions are good for that.

I am not house hacking.This means that’s I will get less favorable rates AND will be covering a HELOC + second mortgage with the rental income, which seems difficult.