These are just general guidelines you would have to consider when analyzing a market.

She's basically gambling that this will vastly increase tourism locally (and our downtown is doing stuff to help this as well) and is investing differently based on this.

Could be that lender's guidelines. 

You won't find a conventional loan with those parameters because it doesn't conform to Fannie/Freddie guidelines.

It was explained to me that those are the fannie mae/freddie mac loan guidelines for a refinance (this is because I received a conventional loan at purchase).

Worked out pretty well for me ;) Russell how did that appreciation work out for you.. that icing on the cake  that luck .. that gambling.. how did that all work anyway.?

I suppose that the equity cannot be resold and have gains deferred, since corporate is not part of the 1031 guidelines, I believe. 

@Shedrick Archangel you will find that each lender you contact will have different documentation requirements depending on their own internal guidelines and the loan product you are seeking. 

Hey all,Can someone tell me where would I find best waterflosser or its guidelines to buy it?

Maybe she needs 3-6 months of your usual expenses in savings before she can feel comfortable with you “gambling” for your future goals.