I tried my best to de-escalate and claim it’s normal & expected household noises.

I haven’t decided if a single household or a multi-family property makes sense yet.. need to look into landlording more.

It goes into median household income, education levels, school ratings and depending on the size of the city, sometimes it gives an overall grade for diversity.  

Assistance will be targeted to households that are below certain income levels. 3.

According to the Wall Street Journal:The Eviction moratorium was set to expire at the end of 20202.4 - 5 million American Households were at risk of eviction.It’s estimated that $70 Billion is owed in back rentThe future prospects do not look promising as well.

If you purchase the other unit, you still have two distinct parcel IDs, two titles, two tax bills, etc, but it sounds like (or your lender is interpreting) that you want to refinance the whole building, which I've never heard of with a conventional mortgage.You can combine the properties to own the single building with two households (one parcel, title, etc) to refinance the whole building, but then you do lose the option to sell off one unit later (though you could rent it just fine).If you are just wanting to refinance the unit you purchase in cash, I don't see why the lender would want any changes to the HOA. 

FHA, despite its popularity is a pretty horrible program...its basically segregated the country and trapped low income households in overpriced mortgages for decades to come...the upfront mortgage insurance alone is criminal.

Median Household Income to Avg Rent Ratio: city-data.com5.

I grew up in California and although a lot of people made money in the housing market,  it did a lot of damage (not being able to get a home loan while making 6 figures, friends and family scattered all over to US because rents were to high for most households, homeless, etc)  I am so excited for this change! 

Estimates vary, but you can expect an average household to use 80 - 100 gallons of water per day.