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.

Besides ozone, there are products that can be applied to the walls, ceilings, and other surfaces to neutralize the odor and residues from smoking.

Your DTI only applies if you are getting a conforming mortgage on a 1-4 unit property.If you are buying 5+ units, you'll need a commercial mortgage/loan and your DTI usually won't matter. 

The normal eviction process doesn’t apply in this case.

If future appreciation is high, risk is seen as low.As with any rule, it is very important to understand the basis for the rule, rather than just blindly applying it.

But now I have one more stable that I have been doing since June) or go get a W-2 job for at least 1 month prior to applying it and hold it for at least 1 yr.2nd issue - I haven't been earning too much in previous years.

If you are applying for a conventional mortgage the guideline states "A minimum history of 2 years of commission income is recommended; however, commission income that has been received for 12 to 24 months may be considered as acceptable income, as long as there are positive factors to reasonably offset the shorter income history"So less than 2 years is possible. 

If you can find a 2x1/1 duplex that sold a couple years ago, you can do a general calculation that reflects what percent the market has changed in that time, and then apply it to the outdated comp you found.

I think the old "it depends" applies here. 

When talking to a lender, he recommended two things:  1) Apply for a loan with her secondary passport as a non resident so she would get good rates.