For that 25 day close of escrow, that speed difference is certainly a factor worth considering.... this lender in particular is presently getting most of my purchase business (even if they don't include weekends in their days count):

OSR's will typically want to see a minimum traffic count and likely have demographic thresholds - the broker should be able to give you insight on that. 

If the numbers work now and they might explode in the future, great but do not count on those numbers for the future

There's a rule (not sure what it's called) but multiple pulls on your credit within a 30-45 day window (not 100% sure on the time frame) can count as one credit pull instead of multiple.

No.In this case I wouldn't be shocked if the implausible happened.I also wouldn't be shocked if this was one where the LO/processor/UW/etc overlooked the FHA requirements to count departing/former primary residence rental income.

That'll tell you if the inside mold spores are the same type(s) as the surrounding area and how much higher or lower the spore count is.

With a new purchase, you can count 75% of rental income on the new purchase and of lease agreements on new purchases that are not yet reflected on your tax returns.

Now he’s watching his profit margin turn into an emergency repair bill, and can count himself lucky no one got hurt.Just thought I’d pass this little tidbit along in the hopes it might save a diy’er or aspiring contractor a future headache.

It kind of depends on your needs-- my bank counts the full amount of the HELOC as credit card debt :(  So if you use all of it and/or don't make consistent progress paying it down, your credit score could take a hit.

I would be using FHA financing and living in one unitThe numbers (my best estimate) would be:Rent(current 2 units at 750/month, 1 at 700/month, 1 vacant)=2200Potential rent(fully rented including my unit at 750)=3000PITI=1800 (PMI is making this expensive, this is a rough estimate but should be accurate+/-100)Maintenance=150 (5%)Capex=150 (5% roof was just repaired and 3 units have new heaters)Utilities=400 (best estimate for water sewage and trash seems high to me but would rather be conservative, this is what the last 4plex in the area I analyzed told me)vacancy=300(10% again being conservative saying I will lose about 1 month per year)management=300 (10% I will be selfmanaging at least while I live there but I want it to make sense financially with management)cash flow=$300 (not counting me paying myself rent)In these numbers I am assuming I increase the rent on the one unit that is currently below the others.