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.  

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.  

no, i'm not interested in discriminating against folks based on race/color/nationality/national origin/religion/sex/disability; whether under my own primary residence's roof nor any clients' but actually bewildered that such a detailed act would point out 'race' 'color' and 'nationality' or 'national origin' but not touch upon ethnicity; same for 'sex' but not even touch upon gender identity or orientation.. at least at the federal level.and likewise, what about language?

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

We're in Portland, Oregon and very few cases can you hit the 1% "rule", and if you do you have to be creative.I wanted to share a win today that has been in the making for the past 10 months because I think it is a good example of what a low cap environment looks like and what a solid base hit looks like for those that want to invest in small multifamily deals.Here are the details on the property:9-units in an up-and-coming neighborhood Purchase price: $1,550,000Cap rate: 4.5%Average rent was ~$995 and Owner was paying for garbage and water/sewerWhen we took over we immediately had a couple units turn over, which was great because we wanted to get in there to do some upgrades (we do a lot on the sustainability side that include reducing hazardous building materials, energy efficiency upgrades, bike storage, decreasing utility consumption, etc).