Includes internet and Direct TV, both of which I want to discontinue (internet I am on the fence, but no way on Direct TV...I don't want that service transferred to my name nor pay for setup). 3.

I’m not sure what the kitchen layout is, but you might be able to demo half the existing wall between the kitchen and living room and install a breakfast bar on top of a pony wall.

I want to find a nice house with a nice bedroom layout for me in a specific location in my county.

You keep praising this lender because he/she doesn't factor DTI, but the internet is full of those lenders.

It really depends on space, power, layout and other variables as to how much to actually grow.

Morrison,Thank you for the kind offer to loan me such a substantial sum of money.With Treasuries in the 2 to 4% range, I’m honored you would trust me, a barely experienced stranger you found anonymously on the internet, with your money at just over the same rate.

Your next step is to find a mortgage lender - local, not internet, and not Navy Fed - ask any local agent why, and an agent. 

I also recommend that if you do end up renting by the bedroom, that you setup a lease with the individuals renting a room because it will help lay out the expectations of what the rental will look like (i.e. ground rules for the home and cost allocations among tenants). 

Otherwise the house is what I'm looking for, no HOA, large lot, 2006 built/newer and 2.3K sf. 4 bed 2.75 bath, like the layout, modern kitchen but not new construction fancy...but like I said the house is roomy and the layout is great for me.I offered 423K on account of carpet, fence, time on MLS, etc.

I made dozens of phone calls, spent probably 100 hours scouring the internet and vetting deals, and flew down to Houston to check out properties.