If the homeowner has a material change in circumstances (transfer of title to his house) then he needs to inform his lender.

Paul,    I started with house hacking and moved into buying a new SFH every two years with the eventual goal of buying a piece of real estate each year.

The house looked vacant and the lawn looks like it hadn’t been cut in years.

Listed the house for $549,000.

I am searching for resources to calculate (spreadsheet) but most available consider you are buying the house and immediately renting.

By comparing we let those come out and is where you can get into fair housing violations.

Now 10 years later there are luxury apartment & condo buildings, new construction homes, completely renovated homes etc in place of the old run down low income housing.

Nice amount of 60-80k houses in my area.

We purchased our first duplex last year and we are currently house-hacking it.

Otherwise, you'd need to based the financing based off of the purchase price (possibly plus renovation).Since Conventional rates change daily and the rates have jumped recently, DSCR rates actually are in similar range at the moment.