I think I'm heading towards a full replacement if leak recurs.

But it’s also a heads-up to stay sharp, keep an eye on those mortgage rates, and be ready to jump when the time feels right.

@Lisa FortuneClayton hit the nail on the head.

Perhaps if you wrote something substantive or helpful or contained any specific information it could be considered useful.Similarly, my comment about bbqs was meant to highlight the point - it was a general statement that everyone can nod their heads about, but provides no value in this forum.

That being said, I don't think the bank is going to be sending folks to peep through your window to confirm you live there... but you obviously still shouldn't do anything misleading, hypothetical or not :) If you have utilities or some bills in your name headed to that address, that would adequately show a proof of residence to some capacity. 

Just a heads up.So you calculated out you need  $6 million worth of apartments to hit your goal.A commercial loan may require 20% to 30% down in cash, cash reserves, working capital, and closing costs.You will also need earnest money cash.The lender may also require certain repairs to be done Shortly after the loan is made.The lender may also require the Property to be stabilized as far as occupancy percentage is concerned, leaving little on the bone as far as sweat equity.Good Luck!

You and I can hop on a livestream, and call any leads you want head to head for 3 hours. 

Get a letter with banks/institution/ retirement fund LETTER HEAD from an institution/bank if this buyer can BUY and CLOSE!

If you cannot qualify for HomeReady, SECU is a fine option and as i said before, rates should be headed down and you should have plenty of time to refi into a 30 year fixed rate so long as you are able/willing to stay in the home for an additional 12 months after the refi.

Switching to a different market will not help, the issue is in your head: you have unrealistic expectations and/or a closing phobia.