The exemption applies to "A duplex in which the owner occupied one of the units as the owner's principal place of residence AT THE BEGINING OF THE TENANCY, so long as the owner continues to occupy".

I understand that the six months thing comes from banks wanting you to prove your income with a rental property before you can apply the income to your Debt to Income Ratio.

@Aaron Garbade no different than applying for a Conventional loan. 

Proforma cap rate only applies to rentals greater than 4 units.

Excited to apply those lessons to the next one!

can someone please provide examples of a cover page and summary page when applying for a loan, please and thank you ! 

Get the house in forbearance sold before Halloween, bribe ex wife to cooperate, go to arbitration rather than wasting money on divorce attorneys, have her apply for a permanent modification on her name and income alone.

I was wondering for your rental properties do you have your tenant's maintain the lawn in the summer and shovel snow/apply salt in winter? 

This applies to short or long term rentals. 

It is similar to Gainesville’s Renters’ Rights Ordinance and will apply in the unincorporated county, while the smaller municipalities will be able to opt in but will not be required to participate.