In my rural area we have many homes that don't have CH&A (they have window units and floor heating) I have one listing like that now. I received an offer on this property this weekend. The buyer has a pre-qual letter but when the lender found out the property doesn't have CH&A they told her FHA will not loan on this type of property. All property must have a permanent thermostatically source of heat. They said it was new lending rules? Any one out there that will explain or help? Maybe a House Hack that will work to statisfy the lender without the cost of a HVAC system? I can't imagine what this will do to the many many older homes in Texas that doesn't have HVAC nor the sellers have the money to put it in to sell.