It's easier to ask for forgiveness than permission in most situations but I also think Thomas makes a good point with regards to keeping good will within the community and your neighbors.  

You may want to share the story with the case worker who could suggest she port to a different market.I had a similar situation, but not nearly as bad as yours.  

The area is upcoming and near to subways, buses, stores and a major hospital.

Hi all,I'm hoping to get some help with a tricky tenant situation.

I didn't because the tenant was extremely cooperative and in a difficult situation

In your situation you'll probably need to just keep saving I'd be very interested to see what you get pre-approved for, but based on what you've told us I'd be shocked if it was anything over $250k which won't get you anything in the Bay Area. 

He refused, but I had no time to take him to court and sue him.The other issue I have in you situation is try to be cheap and wind up picking someone based on cost.

"Do you want to buy that at a garage sale being sold directly by the owner, or would you rather buy it in a store, sold by a salesman, backed by some kind of guarantee?

Then I would have a lot more money for a house hack situation.

I'm in a situation where the home I moved into (about 16 months ago) was a new construction in a very new/empty part of the neighborhood, and the appraisal pretty much matched the purchase price... but since then, the neighborhood has filled with new homes with similar or worse specs that are being listed and sold for more than $10-20k+ above that appraisal.So my question then is: when a lender looks at LTV, do they calculate this based on the fair market value as of today, or would they need to use my original appraisal figure?