I have some question and confusion about the self sufficiency test. 1) When adding the income for your total net rental income do you include the unit you're going to be living in?

We had a choice to consolidate geloc and primary but here are some disadvantages and due to which we left it1.

@Matt ChristensenYour first choice should be to find a CPA that specializes in real estate taxation and one that is local.

@Carlos FontouraYour first choice should be to find a CPA that specializes in real estate taxation and one that is local.

But I stipulate in the contract that I must have the lease within 5 days of acceptance and I will notify if sufficient within 10 days. 

They have had their 203k experience impartially vetted or have completed a comprehensive education course on the 203k ... not to mention they have sufficient $$$ to afford the startup costs and ongoing expenses for the 203k, because there's not really any money upfront for the contractors (except in certain situations on the Limited 203k). 

I should add a fourth choice.  

You need to have sufficient income to cover for when a large expenditure comes up.

I understand house hacking/FHA loans and seller financing, which are awesome choices, but is there any other ways to get a bank to loan money out without a 20-25% down payment?

Would not be my first choice of lenders though.Do you have a construction company or are you going to be a first time GC?