The intent to spell out in vague terms any discounts, concessions, incentives, or credits is to have it apply to all items that the LL includes in the rent or any discounts to the rent because to spell out each individually is not feasible. 

However presumably that won't apply if your wife is NZ citizen.

The only thing that comes to mind is that each of the homes may have different special assessments applied to it.

Dodd Frank does not apply to gov't loans, and FHA wants to go up above what the law allows, which they can do b/c they ARE the gov't.

It's easy to get caught up in all the information at our fingertips, but take the plunge at start applying what you know.Good luck!

Here's mine:Thank you for visiting and applying.

If the comps have a small % of variance then you likely have a stable market and can have some confidence applying it to your property.

There is no “step up” (the step up doesn’t even apply for depreciation calculations).  

Basically you need to get bids on the work you need done (before applying for the loan).

I am done with all 6 courses, and plan to apply tomorrow to take the final NATIONAL and STATE Exam (Texas).