Really, not just limited to basements, but any room or apartment that has another floor above.

I bet you have good pies up there.

Im just not sure what the guidelines are for posting if it is limited to questions only.

Your best bet is to be honest and explain the circumstances.Perhaps you could talk to them in advance before you spend the money and time for the classes.

I used my wifes full time job (since i currently have a full time job in a business that is either limited or non existant there) anyway .....

Lately, my strategy to overcome some of these limitations has been to start working on REI at 4am as I am the most focused anytime before Noon.

In many of the more open areas of the burbs, this is impossible, as many comps do not exist in such a limited time period and such a down market, yet the lenders do not want to hear it.

Pretty sure both those first choices are loan fraud, unless everything is disclosed to the lender and the lender agrees.A rehab loan or hard money loan with a rate-and-term refi is your best bet, IMHO.

However, my bet is that ten to fifteen years from now these may very well turn into high-density section-8 tenements.

TX has a state limit of 80% from what I have seen.