I'm helping my parents remodel their kitchen in Farmington.

Question #1: do all loan types require PMI if the down payment is below 20% and #2 which would be the best loan option if a parent were cosigning my owner-occupied loan? 

My parents have an investment home in a different state that they're just been looking to get out of because it's no longer easy to travel.

My parents have an investment home in a different state that they're just been looking to get out of because it's no longer easy to travel.

I live at home with my parents with no need of buying a personal house, I have no bills, except for a credit card that I applied for to increase my credit which I pay off in full at the end of each month.

Thank you and man, your parents gave you an awesome name!

So in this case we are looking at a $7 million cash flowing asset in exchange for a $100k donation to a historical non profit in the area.

The Trillium is perfect for families looking for extra space to accommodate elderly parents

Additionally, if you sell it in the future, there are plenty of buyers looking for SFH with ADU's for parents or to reduce their monthly PITI.

==Too many people want to live in Coastal California==   True, but my parent's house is in Pasadena which is 21 miles away from the nearest beach.