My understanding is that thickness would need to be higher on straw and without treatment, you have fire or mold issues to be concerned with.

I don't know if area is a factor, but I am in San Antonio, TX.

@Orlando Glez-JorgeDepends on a few factors, but in general, 8-12%, 2-4pts on origination.Cheers!

Like I explained them him, its so much that goes into in and income or class level is a major factor. 

Lots of other factors are considered, but you should have no problem getting approved already owning a primary residence.

Vacancy factor seems low.

Also they should have plenty of ATMs/branches in the area you will be in the most.I think the above factors are most important for your main transactional account.

@Manish Shah LTV could be factor as well. 

Here is how I see it: One of the factors needed for Hyper Inflation is for the supply to money to massively outstrip the demand(either through deficit spending or supply shock), think post WWI Germany.

And there's always the intangible factor of the how do you feel about working with this person intimately for a few months on one of biggest financial decisions.