As restrictions end over the year I do expect to see more of those places come back on line.

Unfortunately I don't have the answer for getting around the Dual Agency restrictions but I too will ask around.

Restrictions are tighter and they did not offer much after the application due to her income. 

You have to be careful if you are looking to house hack with an Airbnb, many counties have guidelines and restrictions on this.

I bought an investment property in a fairly restrictive HOA community.

LTC/LTV restrictions: "Loan-to-cost" and "Loan-to-value" restrictions will vary by lender, but lenders are generally within 5-10% of each other for a given product type.

Here in Austin, the city doesn't review deed restrictions during permitting, but it's becoming increasingly common to see grumpy neighbors pursuing legal action to remove 2nd dwellings, based on deed restrictions. 

An overlay is an additional guideline that a lender has imposed on top of Fannie/Freddie Guidelines, or USDA/FHA/VA guidelines. 

Usually the county administers everything, the city or school district etc. may impose taxes but you just pay the county the total of everything and they handle distributing the funds correctly.

@Gabe Christiansen I’ll shine some light on this thread for you, as I am a licensed mortgage lender. 3% down payment for conventional loans only apply to single family, full review condos, not limited review, or town homes, for first time homebuyers. 5% down payment for conventional loans, up to a 4-plex is attainable through Freddie Macs Conventional loan program called Home Possible, if and only if you fall within the income restrictions.