Just Fannie Mae and Freddie Mac agencies are allowed here. 

Avoid filling the kitchen with complicated devices like a simple coffee pot instead of a fancy espresso machine, a hand blender instead of a Tilt-head mixer with six attachments, or a  Crock-Pot instead of an Instapot that can be complicated or dangerous.As for sleeping arrangements, I recommend an "ideal" number of guests and a maximum.

Additionally, Fannie Mae, Freddie Mac, FHA and VA developed classification of condition from C1 to C6. 

When I was in the development mode way back the developers would buy the major devices and test function.

I have the spreadsheet that I created to run the numbers on prospective properties on an spreadsheet app for my mobile devices.

I was going to go with Quickbooks, or Saje like my accountant recommended but they don't make an option for mac.

. -- no handicapping based on device used.BTW - I'm glad you think it'll be fun . . .

Although the specific details will be written into the mortgage, so there may be cases where a creative method isn't covered.for example, here is an excerpt from a Fannie Mae link:Originally posted by Fannie Mae Ownership Transfers:...We consider each of the following situations to constitute a transfer of ownership: * Transfer of any interest in the property subject to the mortgage by sale, bequest, gift, or otherwise,* Assumption of the mortgage debt by the property purchaser,* Exchange of possession of property under a land sales contract or any other land trust device, and* Transfer of a beneficial interest in an inter vivos revocable trust (living trust) that owns the property....

The study uses data extracted from local recorder, courthouse and tax assessment records to determine whether the purchasers buying foreclosed houses from banks, HUD, Fannie Mae and Freddie Mac, are owner-occupants or absentee owners using single family homes as rental or vacation properties.

Additionally, regulations are also set by regulatory agencies, FDIC, Comptroller of Currency and beyond that Fannie Mae, Freddie Mac, USDA, FHA, VA and SBA can and will go further by region or market area.As to seller concessions, generally if concessions do not exceed 2 to 3 % of the sale price adjustments are not made but in the narrative section the appraisal will mention that closing costs were paid by the seller (in comp 2, for example), but if it is not significant it may not be.This does not preclude the appraiser from investigating the terms of any sale.