Fees should be clearly stated in writing, easy to understand, and justifiable.

More or less, it is just too small of a market for most lenders to justify the compliance  and potential risk so they just do not do it.so, when I say it is hard to get a LOC on an investment property in TEXAS, I am referring only to Texas not other states. 

The relationship may be with the broker and the account executive, but that wholesale lender has to sell that loan in a pool and if it has exceptions that they can't justify, then they're on the hook for the loan or they'll sell it at a discount.Most wholesale lenders are really good at what they do and really bad at what they don't do.One girl's opinionStephanie 

You need to be able to justify your position.3) Are you financing this property?

Fees should be clearly stated in writing, easy to understand, and justifiable.

It seems to me that many on this site will justify doing just about anything to make a buck.

If the conversion back to main house looks like it was part of the main house and not a poorly added on addition and there are comps of similar size that justify the value, then it should appraise as though it is the main house (as it will be the main house). 

If you can get a bathroom done for that cost in your slow season and you have the space, run the numbers and see if you think the ROI justifies it.

Fees should be clearly stated, easy to understand, and justifiable.

Fees should be clearly stated in writing, easy to understand, and justifiable.