From a future DTI standpoint I don't believe that you can use the income generated (by roommates) in order to reduce your ratio, even if you have two years of tax history.

HUD  had just reduced the price and it was a good deal if the house didn't need a lot of work.The inspection period was really a joke.

If I keep home I will keep having rental incomeIn case I do - A.I get 500K i can reduce mortgage on my current primary home which is jumbo - so it will become conforming and may be invest some money in tax managed balanced funds.B.

HOA fees reduces your cash flow and your pocket in case of vacancy.

Several companies are now making vinyl windows with better insulated spacers and sashes to reduce the thermal bridging and claims they are less prone to warping.  

I've got my mind set on buy and holding/renting and landlording in Salt Lake / sugar house area.  

No marketing expense, no legal fees, and reduced closing cost.

If that doesn't work, then perhaps you try Sell By Owner - or perhaps see if you can barter with the agent to rep you on the purchase of the new property for a reduced fee or something.  

The only benefit from buying there is reducing your monthly premium.  

They need to see every side of the argument and without the sugar coating.