You set the criteria and then shop your market for houses that meet the criteria.

@Margharita Silva You are smart to check everything again. 

@Jesse Rivera  Yes I think its time to shop for some non-conforming loans.

Also, any leads on good multi-families or houses with ADU/mother-in-law suites of course would be greatly appreciated.Lastly, if you are in the area and want to talk shop about everything Bigger Pockets, coffee is on me :)

I was shopping for a Cali buyer recently and there is inventory, some off-market.  

Because of the affordability, great neighborhoods and schools, and good night life, Columbus has attracted a-lot of businesses to setup shop, hence the increase in population over areas like Cincinnati and Cleveland.

If I might lose my job soon, would it be smart to lock in at least a line of credit before I won't be able to qualify anymore?

Other than shopping around to find what you think is best for your situation, a good referral is a great resource to finding a potential lending fit. 

Would appreciate a referral if you know of an honest, hard working small shop manager.

Meaning can they only support one cabin with a 3 mile run to get there, or can they support 100 residences, and 15 bars and restaurants as well as shops.